Results 111 to 120 of about 3,040 (226)

Le nuove prassi valutative del merito creditizio tra GDPR, CCD II e AI Act - New Creditworthiness assessment practices between GDPR, CCD II and the AI Act

open access: yesEuropean Journal of Privacy Law & Technologies
La crisi dei mutui subprime ha confermato la centralità della valutazione del cd. “merito creditizio” in ambito bancario. Tale attività, basata sulla raccolta e l’elaborazione di dati, non è stata compiutamente disciplinata dal legislatore, cosicché ...
Paolo Gaggero, Calogero Alberto Valenza
doaj  

The U.S. foreclosure crisis: a two-pronged assault on the U.S. economy

open access: yes
The U.S. mortgage loan foreclosure crisis has been called “the worst financial crisis since the great depression.” There are two distinct channels of influence of the subprime problem. The first is the rise in foreclosures that affects homeowners and the
Tatom, John
core  

A Model of Mortgage Default [PDF]

open access: yes
This paper solves a dynamic model of a household's decision to default on its mortgage, taking into account labor income, house price, inflation, and interest rate risk.
John Y. Campbell, João F. Cocco
core  

Stages of the 2007/2008 Global Financial Crisis: Is There a Wandering Asset-Price Bubble?

open access: yes
This study identifies five distinctive stages of the current global financial crisis: the meltdown of the subprime mortgage market; spillovers into broader credit market; the liquidity crisis epitomized by the fallout of Northern Rock, Bear Stearns and ...
Orlowski, Lucjan T
core  

Are covered bonds a substitute for mortgage-backed securities? [PDF]

open access: yes
Covered bonds and mortgage-backed securities both allow mortgages to be financed with duration-matched bonds. Given the problems in the MBS market during the financial crisis, some suggest that covered bonds might be a substitute for MBS.
Santiago Carbó-Valverde   +2 more
core  

The Subprime Panic [PDF]

open access: yes
Understanding the ongoing credit crisis or panic requires understanding the designs of a number of interlinked securities, special purpose vehicles, and derivatives, all related to subprime mortgages.
Gary B. Gorton
core  

Associations between a Novel Measure of Census Tract-Level Credit Insecurity and Frequent Mental Distress in US Urban Areas, 2020. [PDF]

open access: yesJ Urban Health, 2023
Titus AR   +7 more
europepmc   +1 more source

"Lessons from the Subprime Meltdown" [PDF]

open access: yes
This paper uses Hyman P. Minsky's approach to analyze the current international financial crisis, which was initiated by problems in the U.S. real estate market.
L. Randall Wray
core  

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