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Full-Text Articles in Banking and Finance Law
To Lend Or Not To Lend: What The Cra Ought To Say About Sub-Prime And Predatory Lending, Cassandra Jones Havard
To Lend Or Not To Lend: What The Cra Ought To Say About Sub-Prime And Predatory Lending, Cassandra Jones Havard
All Faculty Scholarship
Policies that support the expansion of affordable housing for low- and moderate-income persons must be reconciled with those policies that undercut the sustainability of home ownership. The sub-prime market represents a much needed expansion of credit markets to those who have been denied access to credit though they are creditworthy. The high failure rate of the sub-prime market indicates that market forces are ineffective in halting this economic abuse. This article argues that the public policy choices and justifications for certain practices have marginalized the concerns of particular consumer classes. It challenges the premise that the free market can and …
Reaching The Glass Usury Ceiling: Why State Ceilings And Federal Preemption Force Low-Income Borrowers Into Subprime Mortgage Loans, Anne Balcer Norton
Reaching The Glass Usury Ceiling: Why State Ceilings And Federal Preemption Force Low-Income Borrowers Into Subprime Mortgage Loans, Anne Balcer Norton
University of Baltimore Law Review
No abstract provided.