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Journal Article
The financial burden of health care
Rukavina, Mark (2009-07)
Because nearly 46 million Americans have no health insurance, medical debt has been behind many of today?s foreclosures. The author offers potential solutions.
Communities and Banking , Issue Sum , Pages 9-11

Working Paper
Determinants and consequences of mortgage default
Koijen, Ralph S. J.; Demyanyk, Yuliya; Hemert, Otto van (2010)
We study a unique data set of borrower-level credit information from TransUnion, one of the three major credit bureaus, which is linked to a database containing detailed information on the borrowers? mortgages. We find that the updated credit score is an important predictor of mortgage default in addition to the credit score at origination. However, the 6-month change in the credit score also predicts default: A positive change in the credit score significantly reduces the probability of delinquency or foreclosure. Next, we analyze the consequences of default on a borrower?s credit score. The ...
Working Papers (Old Series) , Paper 1019

Speech
Fostering sustainable homeownership: a speech at the National Community Reinvestment Coalition Annual Meeting, Washington, D.C., March 14, 2008
Bernanke, Ben S. (2008)
Speech , Paper 384

Speech
Remarks at the Federal Reserve Conference on REO and Vacant Property Strategies for Neighborhood Stabilization.
Rosengren, Eric S. (2010)
Remarks by Eric S. Rosengren, President and Chief Executive Officer, Federal Reserve Bank of Boston, for the Federal Reserve Conference on REO and Vacant Property Strategies for Neighborhood Stabilization, Washington, D.C., September 2, 2010
Speech , Paper 36

Journal Article
Neighborhood stabilization & land banking
Alexander, Frank S. (2009-07)
Land banking helps communities that acquire foreclosed properties to retain them until market demand returns. Today the Housing and Economic Recovery Act of 2008 provides support for using land banking in neighborhood stabilization efforts.
Communities and Banking , Issue Sum , Pages 3-5

Journal Article
\\"We know these are difficult times\\": an interview with Barb Godin of Regions Bank
Davidson, Charles (2008)
EconSouth , Volume 10 , Issue 3

Conference Paper
Addressing mortgage market problems
Quinn, Kieran P. (2008)
Proceedings , Paper 1090

Journal Article
Confronting the “second wave of the tsunami”: stabilizing communities in the wake of foreclosures
Reid, Carolina (2009)
In July 2008, the Federal Reserve Bank of San Francisco convened a symposium in Los Angeles on the topic of stabilizing communities in the wake of foreclosures. The goal of the conference was to identify strategies that could help to mitigate the negative spillover effects of foreclosures on families and neighborhoods.
Community Development Innovation Review , Issue 1 , Pages 01-06

Journal Article
Changing the rules: state mortgage foreclosure moratoria during the Great Depression
Wheelock, David C. (2008-11)
Many U.S. states imposed temporary moratoria on farm and nonfarm residential mortgage foreclosures during the Great Depression. This article describes the conditions that led some states to impose these moratoria and other mortgage relief during the Depression and discusses the economic effects. Moratoria were more common in states with large farm populations (as a percentage of total state population) and high farm mortgage foreclosure rates, although nonfarm mortgage distress appears to help explain why a few states with relatively low farm foreclosure rates also imposed moratoria. The ...
Review , Volume 90 , Issue Nov , Pages 569-584

Working Paper
Mortgage companies and regulatory arbitrage
Demyanyk, Yuliya; Loutskina, Elena (2012)
Mortgage companies (MCs) originated about 60% of all mortgages before the 2007 crisis and continue to hold a 30% market share postcrisis. While financial regulations are strictly enforced for depository institutions (banks), they are weakly enforced for MCs even if they are subsidiaries of a bank holding company (BHC). This study documents that the resulting regulatory arbitrage creates incentives for BHCs to engage in risk shifting through their MC affiliates. We show that MCs are established to circumvent the capital requirements and to shield the parent BHCs from loan-related losses. BHCs ...
Working Papers (Old Series) , Paper 1220R

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