Alternative Mortgage Products: Impact on Defaults Remains Unclear, but Disclosure of Risks to Borrowers Could be Improved
| Author | : |
| Publisher | : DIANE Publishing |
| Total Pages | : 72 |
| Release | : 2006 |
| Genre | : |
| ISBN | : 9781422309315 |
Alternative Mortgage Products Impact On Defaults Remains Unclear But Disclosure Of Risks To Borrowers Could Be Improved
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Mortgage Lending Reform
| Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit |
| Publisher | : |
| Total Pages | : 272 |
| Release | : 2009 |
| Genre | : Business & Economics |
| ISBN | : |
Calculated Risk
| Author | : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing and Transportation |
| Publisher | : |
| Total Pages | : 388 |
| Release | : 2009 |
| Genre | : Adjustable rate mortgages |
| ISBN | : |
Mortgage Foreclosures
| Author | : A. Nicole Clowers |
| Publisher | : DIANE Publishing |
| Total Pages | : 77 |
| Release | : 2011-08 |
| Genre | : Law |
| ISBN | : 1437985416 |
Mortgage servicers -- entities that manage home mortgage loans -- halted foreclosures throughout the country in September 2010, finding that documents required to be provided to courts in some states may have been improperly signed or notarized. In addition, academics and court cases are raising questions over whether foreclosures are being brought properly because of concerns over how loans were transferred into mortgage-backed securities. This report examined: (1) the extent to which federal laws address mortgage servicers' foreclosure procedures and federal agencies' past oversight; (2) federal agencies' current oversight and future oversight plans; and (3) the potential impact of these issues on involved parties. Illus. A print on demand report.
Mortgages
| Author | : Hank C. Sentowski |
| Publisher | : Nova Publishers |
| Total Pages | : 186 |
| Release | : 2007 |
| Genre | : Business & Economics |
| ISBN | : 9781600219184 |
A mortgage represents a loan or lien on a property/house that has to be paid over a specified period of time. Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages, terminology and vested interests. Mortgages represent one of the most (if not the most) significant investment decisions most individuals will make in their lifetimes. This new book presents invaluable information on some of the primary types of mortgages as well as FAQ and future trends in the industry.
Financial Markets Regulation
| Author | : Orice Williams Brown |
| Publisher | : DIANE Publishing |
| Total Pages | : 136 |
| Release | : 2009-12 |
| Genre | : Business & Economics |
| ISBN | : 1437919901 |
The Emergency Economic Stabilization Act directed a study of the role of leverage in the current financial crisis and federal oversight of leverage. The objectives were to review: (1) how leveraging and deleveraging by financial institutions may have contributed to the crisis; (2) regulations adopted by federal financial regulators to limit leverage and how regulators oversee compliance with the regulations; and (3) any limitations the current crisis has revealed in regulatory approaches used to restrict leverage and regulatory proposals to address them. To meet these objectives, the auditor reviewed relevant laws and regulations and academic and other studies, and interviewed regulators and market participants. Includes recommend. Illus.
The End of Excess
| Author | : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations |
| Publisher | : |
| Total Pages | : 780 |
| Release | : 2010 |
| Genre | : Business & Economics |
| ISBN | : |
Consumer Finance
| Author | : Alicia Puente Cackley |
| Publisher | : DIANE Publishing |
| Total Pages | : 31 |
| Release | : 2010-10 |
| Genre | : Language Arts & Disciplines |
| ISBN | : 1437933947 |
More than 12 million adults in the U.S. report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the U.S., including financial literacy -- the ability to make informed judgments and take effective actions regarding the current and future use and management of money. A recent Federal Act in 2009 mandated an examination of the relationship between fluency in the English language and financial literacy. This report examines the extent, if any, to which individuals with limited English proficiency are impeded in their financial literacy and conduct of financial affairs. Illustrations.
Mortgage Reform: Potential Impacts of Provisions in the Dodd-Frank Act on Homebuyers and the Mortgage Market
| Author | : DIANE Publishing Company |
| Publisher | : DIANE Publishing |
| Total Pages | : 83 |
| Release | : 2011 |
| Genre | : Law |
| ISBN | : 1437989004 |
The Dodd-Frank Act is intended to reform residential mortgage lending and securitization practices that contributed to the recent financial crisis. The Act provides some liability protection for lenders originating mortgages that meet nine specified criteria associated with a borrower¿s ability to repay (¿qualified mortgages¿). The act also requires securitizers of mortgages not meeting separate criteria associated with lower default risk to retain at least 5% of the credit risk. This report discusses the potential impact of the act¿s: (1) qualified mortgage criteria; (2) credit risk retention requirement; and (3) provisions concerning homeownership counseling and regulation of high-cost loans. Charts and tables. This is a print on demand report.
Home Mortgages
| Author | : William B. Shear |
| Publisher | : DIANE Publishing |
| Total Pages | : 69 |
| Release | : 2009-12 |
| Genre | : Law |
| ISBN | : 1437920349 |
H.R. 3915 (2007), a bill introduced, but not enacted by the 110th Congress, was intended to reform mortgage lending practices to prevent a recurrence of problems in the mortgage market, particularly in the nonprime market segment. The bill would have set minimum standards for all mortgages (e.g., reasonable ability to repay) and created a "safe harbor" for loans that met certain requirements. This report discusses: (1) the proportions of recent nonprime loans that likely would have met and not met the bill's safe harbor requirements and factors influencing the performance of these loans; and (2) relevant research and the views of mortgage industry stakeholders concerning the potential impact of key provisions of the bill on the availability of mortgage credit.
