Predatory lending laws and the cost of credit
by Giang Ho
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"Various states and other local jurisdictions have enacted laws intending to reduce predatory and abusive lending in the subprime mortgage market. These laws have created substantial geographic variation in the regulation of mortgage credit. This paper examines whether these laws are associated with a higher or lower cost of credit. Empirical results indicate that the laws are associated with at most a modest increase in cost. However, the impact depends on the product type. In particular, loans with fixed (adjustable) rates are associated a modest increase (decrease) in cost"--Federal Reserve Bank of St. Louis web site.
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Predatory lending laws and the cost of credit
2006, Federal Reserve Bank of St. Louis
Electronic resource
in English
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Book Details
Edition Notes
Title from PDF file as viewed on 6/26/2006.
Includes bibliographical references.
Also available in print.
System requirements: Adobe Acrobat Reader.
Mode of access: World Wide Web.
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- Created November 2, 2008
- 4 revisions
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| December 17, 2020 | Edited by MARC Bot | import existing book |
| July 29, 2012 | Edited by VacuumBot | Updated format '[electronic resource] /' to 'Electronic resource' |
| December 15, 2009 | Edited by WorkBot | link works |
| November 2, 2008 | Created by ImportBot | Imported from Library of Congress MARC record |