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Keywords:Home Mortgage Disclosure Act 

Journal Article
Revisions effective September 19, 1988

Federal Reserve Bulletin , Issue Oct

Journal Article
Statement to Congress, November 4, 1993(results of Home Mortgage Disclosure Act data)

Federal Reserve Bulletin , Issue Jan

Working Paper
Government response to home mortgage distress: lessons from the Great Depression

The Great Depression was the worst macroeconomic collapse in U.S. history. Sharp declines in household income and real estate values resulted in soaring mortgage delinquency rates. According to one estimate, as of January 1, 1934, fully one-half of U.S. home mortgages were delinquent and, on average, some 1000 home loans were foreclosed every business day. This paper documents the increase in residential mortgage distress during the Depression, and discusses actions taken by state governments and the federal government to reduce mortgage foreclosures and restore the functioning of the ...
Working Papers , Paper 2008-038

Working Paper
Cross-lender variation in home mortgage lending

A lender-specific analysis of differences in minority and low-income mortgage loan originations using new applicant-level data gathered under the Home Mortgage Disclosure Act of 1975.
Working Papers (Old Series) , Paper 9219

Journal Article
A summary of consumer protection regulatory changes

Many regulatory changes go into effect in 2009 and 2010 as the government works to increase the knowledge of consumers who are shopping for credit.
e-Perspectives , Issue 3

Working Paper
The effect of neighborhood contagion on mortgage selection

In this paper we conduct an empirical investigation of how neighborhood mortgage adoption contagion affects mortgage product choice, with an emphasis on Hispanic borrowers. We use loan-level mortgage data for metropolitan areas in California and Florida during 2004 and 2005, the peak years of the subprime mortgage boom. We identify an important and statistically significant effect of contagion on consumer choice of hybrid mortgage products that were popular during this period, especially for Hispanic borrowers.
Working Papers , Paper 2011-036

Journal Article
Home Mortgage Disclosure Act: expanded data on residential lending

Federal Reserve Bulletin , Issue Nov

Working Paper
Lender consistency in housing credit markets

An examination of how and why individual financial institutions vary in their propensity to attract and approve mortgage applications from minorities, using Home Mortgage Disclosure Act data.
Working Papers (Old Series) , Paper 9309

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