"On The Take": The Black Box Of Credit Scoring And Mortgage Discrimination,
2011
University of Baltimore School of Law
"On The Take": The Black Box Of Credit Scoring And Mortgage Discrimination, Cassandra Jones Havard
All Faculty Scholarship
Subprime credit, a relatively new method of risk-based pricing, has been hailed as a way to open up markets and provide access to credit to those who would otherwise be excluded. Evidence suggests that subprime mortgage segmentation increases rather than reduces exclusionary practices in lending. Furthermore, what is unclear is how lenders determine who qualifies as a subprime borrower. This concern became manifested when studies demonstrated that minority borrowers, regardless of creditworthiness, are more likely to receive expensive, sub-prime loans. The disparity is properly attributed to lenders’ credit pricing policies which included discretionary increases despite the objectively-determined risk-based interest rate …
Consumer Financial Protection: It's A Smaller World After All.Pdf,
2011
American University Washington College of Law
Consumer Financial Protection: It's A Smaller World After All.Pdf, Hilary Allen
Scholarly Articles in Law Reviews & Journals
Few of the reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) have been as controversial as the creation of the Consumer Financial Protection Bureau. On the one hand, proponents envisioned the Bureau as “a single, highly motivated federal regulator, [that would apply] the same regulation … to all similar products, regardless of the identity of the lender.” On the other hand, critics have called the Bureau “fatally flawed” and suggested that it has the potential to “stifle innovation and leave some market participants worse off.”
Dodd-Frank, International Remittances, And Mobile Banking: The Federal Reserve’S Role In Enabling International Economic Development,
2011
Northwestern Pritzker School of Law
Dodd-Frank, International Remittances, And Mobile Banking: The Federal Reserve’S Role In Enabling International Economic Development, Colin C. Richard
NULR Online
International remittances—"cross-border person-to-person payments of relatively low value" sent primarily by international migrants to family members in developing countries—alleviate poverty, support entrepreneurship, and foster the development of financial systems. Until recently, aside from prohibitions on financial interactions with countries such as Cuba or Burma, U.S. regulators have only indirectly addressed these monetary transfers. The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) changes this, providing direct, substantive regulation of the industry for the first time. Dodd-Frank calls on the Board of Governors of the Federal Reserve System (Board) to craft more than a dozen regulations to enforce Dodd-Frank's remittance …
Implementation Of Title Vii Of The Wall Street Reform And Consumer Protection Act. Hearing Before The United States Senate, Committee On Agriculture, Nutrition And Forestry - 112th Cong., 1st Sess.,
2011
University of Maryland School of Law
Implementation Of Title Vii Of The Wall Street Reform And Consumer Protection Act. Hearing Before The United States Senate, Committee On Agriculture, Nutrition And Forestry - 112th Cong., 1st Sess., Michael Greenberger
Congressional Testimony
The Relationship of Unregulated OTC Derivatives to the Meltdown. It is now accepted wisdom that it was the non-transparent, poorly capitalized, and almost wholly unregulated over-the-counter (―OTC‖) derivatives market that lit the fuse that exploded the highly vulnerable worldwide economy in the fall of 2008. Because tens of trillions of dollars of these financial products were pegged to the economic performance of an overheated and highly inflated housing market, the sudden collapse of that market triggered under-capitalized or non-capitalized OTC derivative guarantees of the subprime housing investments. Moreover, the many undercapitalized insurers of that collapsing market had other multi-trillion …
The Impact Of Dodd-Frank On End-Users Hedging Commercial Risk In Over-The-Country Derivatives Markets,
2011
University of North Carolina School of Law
The Impact Of Dodd-Frank On End-Users Hedging Commercial Risk In Over-The-Country Derivatives Markets, Laurin C. Ariail
North Carolina Banking Institute
No abstract provided.
Comparative Analysis Of Stress Testing In The United States And Europe,
2011
University of North Carolina School of Law
Comparative Analysis Of Stress Testing In The United States And Europe, Alexander Abramovich
North Carolina Banking Institute
No abstract provided.
The Orderly Liquidation Authority: The Creditor's Perspective,
2011
University of North Carolina School of Law
The Orderly Liquidation Authority: The Creditor's Perspective, Jamieson L. Hardee
North Carolina Banking Institute
No abstract provided.
The Swaps Push-Out Rule: An Impact Assessment,
2011
University of North Carolina School of Law
The Swaps Push-Out Rule: An Impact Assessment, Christopher T. Fowler
North Carolina Banking Institute
No abstract provided.
Rating Agency Reform: Presenting The Registered Market For Asset-Backed Securities,
2011
University of North Carolina School of Law
Rating Agency Reform: Presenting The Registered Market For Asset-Backed Securities, Benjamin H. Brownlow
North Carolina Banking Institute
No abstract provided.
The Dodd-Frank Act: Tarp Bailout Backlash And Too Big To Fail,
2011
University of North Carolina School of Law
The Dodd-Frank Act: Tarp Bailout Backlash And Too Big To Fail, Lissa Lamkin Broome
North Carolina Banking Institute
No abstract provided.
Dodd-Frank Regulatory Innovation, And The Safety Of Consumer Financial Products,
2011
University of North Carolina School of Law
Dodd-Frank Regulatory Innovation, And The Safety Of Consumer Financial Products, Melissa B. Jacoby
North Carolina Banking Institute
No abstract provided.
Stock Broker Fiduciary Duties And The Impact Of The Dodd-Frank Act,
2011
University of North Carolina School of Law
Stock Broker Fiduciary Duties And The Impact Of The Dodd-Frank Act, Thomas Lee Hazen
North Carolina Banking Institute
No abstract provided.
The Volcker Rule's Unintended Consequences,
2011
University of North Carolina School of Law
The Volcker Rule's Unintended Consequences, Ryan K. Brissette
North Carolina Banking Institute
No abstract provided.
Justifying Board Diversity,
2011
Brooklyn Law School
Justifying Board Diversity, James A. Fanto, Lawrence M. Solan, John M. Darley
Faculty Scholarship
No abstract provided.
Establishing Appropriate Liability Under The Fair And Accurate Credit Transactions Act,
2011
University of North Carolina School of Law
Establishing Appropriate Liability Under The Fair And Accurate Credit Transactions Act, Mignon M. Arrington
North Carolina Banking Institute
No abstract provided.
Banktown: Assessing Blame For The Near-Collapse Of Charlotte's Biggest Banks,
2011
University of North Carolina School of Law
Banktown: Assessing Blame For The Near-Collapse Of Charlotte's Biggest Banks, Brian Choi
North Carolina Banking Institute
No abstract provided.
The Dodd-Frank Act: A New Deal For A New Age,
2011
University of North Carolina School of Law
The Dodd-Frank Act: A New Deal For A New Age, Saule T. Omarova
North Carolina Banking Institute
No abstract provided.
Dodd-Frank's Requirement Of Skin In The Game For Asset-Backed Securities May Scalp Corporate Loan Liquidity,
2011
University of North Carolina School of Law
Dodd-Frank's Requirement Of Skin In The Game For Asset-Backed Securities May Scalp Corporate Loan Liquidity, David Line Batty
North Carolina Banking Institute
No abstract provided.
Peer-To-Peer Lending In The United States: Surviving After Dodd-Frank,
2011
University of North Carolina School of Law
Peer-To-Peer Lending In The United States: Surviving After Dodd-Frank, Jack R. Magee
North Carolina Banking Institute
No abstract provided.
Ability To Repay: Mortgage Lending Standards After Dodd-Frank,
2011
University of North Carolina School of Law
Ability To Repay: Mortgage Lending Standards After Dodd-Frank, Zachary B. Marquand
North Carolina Banking Institute
No abstract provided.
