메뉴 건너뛰기




Volumn , Issue , 2004, Pages 103-132

Legal and Economic Inducements to Predatory Practices

Author keywords

[No Author keywords available]

Indexed keywords


EID: 33644751837     PISSN: None     EISSN: None     Source Type: Book    
DOI: None     Document Type: Chapter
Times cited : (2)

References (66)
  • 1
    • 84909441697 scopus 로고
    • The Secondary Mortgage Market Enhancement Act
    • Abelman, David. “The Secondary Mortgage Market Enhancement Act.” Real Estate Law Journal 14 (1985): 136.
    • (1985) Real Estate Law Journal , vol.14 , pp. 136
    • Abelman, D.1
  • 2
    • 1342300176 scopus 로고    scopus 로고
    • Recent Changes in U.S. Family Finances: Evidence from the 1998 and 2001 Survey of Consumer Finances
    • Aizcorbe, Ana M. et al. “Recent Changes in U.S. Family Finances: Evidence from the 1998 and 2001 Survey of Consumer Finances.” Federal Reserve Bulletin 89 (January 2003), http://www.federalreserve.gov/pubs/bulletin/2003/0103lead.pdf.
    • (2003) Federal Reserve Bulletin , pp. 89
    • Aizcorbe, A.M.1
  • 3
    • 85186714406 scopus 로고
    • Taxable Mortgage Rules Now in Effect
    • (June)
    • Alexander, John W., and David Culp. “Taxable Mortgage Rules Now in Effect.” The Tax Adviser 23 (June 1992): 359.
    • (1992) The Tax Adviser , vol.23 , pp. 359
    • Alexander, J.W.1    Culp, D.2
  • 4
    • 85186666077 scopus 로고    scopus 로고
    • Online Banking: E-Loan CEO: Diversification Is Key to Staying Profitable
    • Bach, Deborah. “Online Banking: E-Loan CEO: Diversification Is Key to Staying Profitable.” American Banker 167, no. 19 (January 29, 2002).
    • (2002) American Banker , vol.167 , Issue.19
    • Bach, D.1
  • 5
    • 85186638858 scopus 로고    scopus 로고
    • Adding Insult to Injury: How IN RE Venture Mortgage Fund Exposes the Inequitable Results of New York’s Usury Remedies
    • Berger, Shimon A. “Adding Insult to Injury: How IN RE Venture Mortgage Fund Exposes the Inequitable Results of New York’s Usury Remedies.” Fordham Urban Law Journal 29, no. 8 (August 2002): 2193-232.
    • (2002) Fordham Urban Law Journal , vol.29 , Issue.8 , pp. 2193-2232
    • Berger, S.A.1
  • 6
    • 85186686178 scopus 로고    scopus 로고
    • Some Lenders Turning to Compliance Software
    • Bergquist, Eric. “Some Lenders Turning to Compliance Software.” American Banker 168, no. 62 (April 1, 2003).
    • (2003) American Banker , vol.168 , Issue.62
    • Bergquist, E.1
  • 7
    • 85186729120 scopus 로고
    • The Significance of Income Taxation for Securitized Mortgages and the Secondary Market
    • Biller, Patricia Prim. “The Significance of Income Taxation for Securitized Mortgages and the Secondary Market.” American Journal of Tax Policy 9, no. 2 (Fall 1991).
    • (1991) American Journal of Tax Policy 9, No. 2 (Fall
    • Biller, P.P.1
  • 8
    • 85186738356 scopus 로고    scopus 로고
    • Interagency Guidance on Subprime Lending
    • Board of Governors of the Federal Reserve System et al. “Interagency Guidance on Subprime Lending.” Financial Institution Letter (March 1999), http://www.fdic.gov/news/news/financial/1999/FIL9920a.html.
    • (1999) Financial Institution Letter
  • 11
    • 4544362564 scopus 로고    scopus 로고
    • The Nonagency Mortgage Market: Background and Overview
    • Edited by Frank Fabozzi et al. 2nd ed. New York: McGraw-Hill
    • Bruskin, Eric, Anthony B. Sanders, and David Sykes. “The Nonagency Mortgage Market: Background and Overview.” In The Handbook of Nonagency Mortgage-Backed Securities. Edited by Frank Fabozzi et al. 2nd ed. New York: McGraw-Hill, 2000.
    • (2000) The Handbook of Nonagency Mortgage-Backed Securities
    • Bruskin, E.1    Sanders, A.B.2    Sykes, D.3
  • 12
    • 44149083055 scopus 로고    scopus 로고
    • Subprime Foreclosures: The Smoking Gun of Predatory Lending?
    • Washington, D.C.: U.S. Department of Housing and Urban Development
    • Bunce, Harold L., et al. “Subprime Foreclosures: The Smoking Gun of Predatory Lending?” In Housing Policy in the New Millennium. Washington, D.C.: U.S. Department of Housing and Urban Development, 2000. http://www.huduser.org/publications/pdf/brd/12Bunce.pdf.
    • (2000) Housing Policy in the New Millennium
    • Bunce, H.L.1
  • 14
    • 0031534034 scopus 로고    scopus 로고
    • The Differentiation Triangle
    • Canoy, Marcel, and Martin Peitz. “The Differentiation Triangle.” Journal of Industrial Economics 45, no. 3 (September 1997): 305-28.
    • (1997) Journal of Industrial Economics , vol.45 , Issue.3 , pp. 305-328
    • Canoy, M.1    Peitz, M.2
  • 15
    • 85186677388 scopus 로고    scopus 로고
    • CitiFinancial. “Real Estate Lending Initiatives Progress Report” (October 2001), http://www.citigroup.com/citigroup/press/2001/data/011211b.pdf (accessed October 16, 2003).
    • (2001) Real Estate Lending Initiatives Progress Report
  • 16
    • 85186659803 scopus 로고    scopus 로고
    • Statement of Louis Colosimo, The Bond Market Association, for the Subcommittee on Employer-Employee Relations, Committee on Education and the Workforce, U.S. House of Representatives, March 10, 2000
    • Colosimo, Louis. “Statement of Louis Colosimo, The Bond Market Association, for the Subcommittee on Employer-Employee Relations, Committee on Education and the Workforce, U.S. House of Representatives, March 10, 2000.” Legislative Issues, The Bond Market Association. http://www.bond markets.com/legislative/t106-014.shtml.
    • Legislative Issues, the Bond Market Association
    • Colosimo, L.1
  • 17
    • 85113129511 scopus 로고    scopus 로고
    • The Gramm-Leach-Bliley Financial Modernization Act: Why Reform in the Financial Services Industry Was Necessary and the Act’s Projected Effects on Community Banking
    • Dixon, Robert W. “The Gramm-Leach-Bliley Financial Modernization Act: Why Reform in the Financial Services Industry Was Necessary and the Act’s Projected Effects on Community Banking.” Drake Law Review 49 (2001): 671-88.
    • (2001) Drake Law Review , vol.49 , pp. 671-688
    • Dixon, R.W.1
  • 18
    • 4644342654 scopus 로고    scopus 로고
    • Held Up in Due Course: Predatory Lending, Securitization, and the Holder in Due Course Doctrine
    • Eggert, Kurt. “Held Up in Due Course: Predatory Lending, Securitization, and the Holder in Due Course Doctrine.” Creighton Law Review 35, no. 3 (April 2002): 507-640.
    • (2002) Creighton Law Review , vol.35 , Issue.3 , pp. 507-640
    • Eggert, K.1
  • 19
    • 77950444339 scopus 로고    scopus 로고
    • The CRA Implications of Predatory Lending
    • Engel, Kathleen C., and Patricia A. McCoy. “The CRA Implications of Predatory Lending.” Fordham Urban Law Journal 29, no. 4 (April 2002): 1571-1605.
    • (2002) Fordham Urban Law Journal , vol.29 , Issue.4 , pp. 1571-1605
    • Engel, K.C.1    McCoy, P.A.2
  • 20
    • 23044534232 scopus 로고    scopus 로고
    • A Tale of Three Markets: The Law and Economics of Predatory Lending
    • Engel, Kathleen C., and Patricia A. McCoy. “A Tale of Three Markets: The Law and Economics of Predatory Lending.” Texas Law Review 80, no. 6 (May 2002): 1255-1381.
    • (2002) Texas Law Review , vol.80 , Issue.6 , pp. 1255-1381
    • Engel, K.C.1    McCoy, P.A.2
  • 22
    • 85186644374 scopus 로고    scopus 로고
    • Subprime Lending
    • Federal Deposit Insurance Corporation. “Subprime Lending.” Financial Institution Letters (May 2, 1997). http://www.fdic.gov/news/news/financial/1997/fil9744.html.
    • (1997) Financial Institution Letters
  • 23
    • 85186727888 scopus 로고
    • Federal Home Loan Bank Board. 48 Federal Register 23,032 (May 23, 1983).
    • (1983) 48 Federal Register , vol.23
  • 24
    • 85186659688 scopus 로고    scopus 로고
    • “Federal Trade Commission’s Second Amended Complaint for Permanent Injunctive and Other Equitable Relief.” File no. SACV 00-964 DOC (EEx). U.S
    • (November 26, 2001)
    • Federal Trade Commission. “Federal Trade Commission’s Second Amended Complaint for Permanent Injunctive and Other Equitable Relief.” File no. SACV 00-964 DOC (EEx). U.S. District Court, Central District of California, Southern Division (November 26, 2001). http://www.ftc.gov/os/2002/03/famco2acmp.pdf.
    • District Court, Central District of California, Southern Division
  • 25
    • 85186710413 scopus 로고    scopus 로고
    • Complaint for Permanent Injunction and Other Equitable Relief
    • Citifinancial Credit Company, Associates First Capital Corporation, and Associates Capital Corporation of North America. U.S. District Court for the Northern District of Georgia, Atlanta Division
    • Federal Trade Commission, “Complaint for Permanent Injunction and Other Equitable Relief.” Federal Trade Commission v. Citigroup, Inc., Citifinancial Credit Company, Associates First Capital Corporation, and Associates Capital Corporation of North America. U.S. District Court for the Northern District of Georgia, Atlanta Division (2001). http://www.ftc.gov/opa/2001/03/associates.htm.
    • (2001) Federal Trade Commission V. Citigroup, Inc.
  • 28
    • 33845942934 scopus 로고    scopus 로고
    • The Entrance of Banks into Subprime Lending: First Union and the Money Store
    • Gilreath, Evan M. “The Entrance of Banks into Subprime Lending: First Union and the Money Store.” North Carolina Banking Institute 3 (April 1999): 149-68.
    • (1999) North Carolina Banking Institute , vol.3 , pp. 149-168
    • Gilreath, E.M.1
  • 29
    • 85021000995 scopus 로고    scopus 로고
    • Why Prepayment Penalties Are Abusive in Subprime Home Loans
    • Goldstein, Debbie, and Stacy Strohauer Son. “Why Prepayment Penalties Are Abusive in Subprime Home Loans.” Center for Responsible Lending, April 2, 2003. http://www.predatorylending.org/pdfs/PPP_Policy_Paper2.pdf.
    • (2003) Center for Responsible Lending
    • Goldstein, D.1    Son, S.S.2
  • 30
    • 0000638668 scopus 로고
    • An Analysis of the Principal-Agent Problem
    • Grossman, Sanford J., and Oliver D. Hart. “An Analysis of the Principal-Agent Problem.” Econometrica 51, no. 1 (January 1983): 7-41.
    • (1983) Econometrica , vol.51 , Issue.1 , pp. 7-41
    • Grossman, S.J.1    Hart, O.D.2
  • 32
    • 26044463320 scopus 로고    scopus 로고
    • Kickbacks or Compensation? The Case of Yield-Spread Premiums
    • Jackson, Howell E., and Jeremy Berry. “Kickbacks or Compensation? The Case of Yield-Spread Premiums.” Working paper, Harvard Law School. http://www.law.harvard.edu/faculty/hjackson/pdfs/january_draft.pdf (January 8, 2002).
    • (2002) Working Paper
    • Jackson, H.E.1    Berry, J.2
  • 33
    • 9944265112 scopus 로고    scopus 로고
    • Cambridge, Mass.: Joint Center for Housing Studies of Harvard University, 2003
    • Joint Center for Housing Studies of Harvard University. The State of the Nation’s Housing: 2003. Cambridge, Mass.: Joint Center for Housing Studies of Harvard University, 2003.
    • (2003) The State of the Nation’s Housing
  • 34
    • 85186685952 scopus 로고    scopus 로고
    • Federal Reserve Bank of Chicago, Spring
    • Kuehl, Steven W. Profitwise News and Views (Federal Reserve Bank of Chicago, Spring 2003).
    • (2003) Profitwise News and Views
    • Kuehl, S.W.1
  • 36
    • 84934276569 scopus 로고    scopus 로고
    • Subprime Lending: An Investigation of Economic Efficiency
    • December 21
    • Lax, Howard, Michael Manti, Paul Raca, and Peter Zorn. “Subprime Lending: An Investigation of Economic Efficiency.” Working paper (December 21, 2000).
    • (2000) Working Paper
    • Lax, H.1    Manti, M.2    Raca, P.3    Zorn, P.4
  • 37
    • 85186719634 scopus 로고    scopus 로고
    • A− Breaks Away from the Subprime Pack
    • Lederman, Jess et al. “A− Breaks Away from the Subprime Pack.” Secondary Marketing Executive (May 2000). http://www.sme-online.com/sme/ar/alending.phtml.
    • (2000) Secondary Marketing Executive
    • Lederman, J.1
  • 38
    • 26044438604 scopus 로고    scopus 로고
    • The Road to Subprime ‘HEL’ Was Paved with Good Congressional Intentions: Usury Deregulation and the Subprime Home Equity Market
    • LesserMansfield, Cathy. “The Road to Subprime ‘HEL’ Was Paved with Good Congressional Intentions: Usury Deregulation and the Subprime Home Equity Market.” South Carolina Law Review 51, no. 3 (2000): 473-587.
    • (2000) South Carolina Law Review , vol.51 , Issue.3 , pp. 473-587
    • Lessermansfield, C.1
  • 39
    • 85186643074 scopus 로고    scopus 로고
    • Statement of Eugene Ludwig, Comptroller of the Currency, Before U.S. Congresswoman Maxine Waters’ ‘Forum on Community Reinvestment and Access to Credit: California’s Challenge,’ on the Community Reinvestment and Development Activities of Commercial Banks in California, Los Angeles, California, January 12, 1998
    • Ludwig, Eugene. “Statement of Eugene Ludwig, Comptroller of the Currency, Before U.S. Congresswoman Maxine Waters’ ‘Forum on Community Reinvestment and Access to Credit: California’s Challenge,’ on the Community Reinvestment and Development Activities of Commercial Banks in California, Los Angeles, California, January 12, 1998.” Office of the Comptroller of the Currency, Quarterly Journal, 17, no. 2 (June 1998): 25-44.
    • (1998) Office of the Comptroller of the Currency, Quarterly Journal , vol.17 , Issue.2 , pp. 25-44
    • Ludwig, E.1
  • 40
    • 0040968544 scopus 로고    scopus 로고
    • Household Debt and the Tax Reform Act of 1986
    • Maki, Dean M. “Household Debt and the Tax Reform Act of 1986.” American Economic Review 91, no. 1 (March 2001): 305-19.
    • (2001) American Economic Review , vol.91 , Issue.1 , pp. 305-319
    • Maki, D.M.1
  • 43
    • 21144467463 scopus 로고
    • Endogenous Quality Choice: Price vs Quantity Competition
    • Motto, Massimo. “Endogenous Quality Choice: Price vs Quantity Competition.” Journal of Industrial Economics 41, no. 2 (June 1993): 113-31.
    • (1993) Journal of Industrial Economics , vol.41 , Issue.2 , pp. 113-131
    • Motto, M.1
  • 44
    • 85186676128 scopus 로고    scopus 로고
    • Economies of Scale Are Questioned
    • Muolo, Paul. “Economies of Scale Are Questioned.” U.S. Banker (December 2000). http://www.us-banker.com.
    • (2000) U.S. Banker
    • Muolo, P.1
  • 45
    • 85186717198 scopus 로고    scopus 로고
    • Top 100 Subprime Lenders: Subprime Comes on like a House on Fire
    • Muolo, Paul. “Top 100 Subprime Lenders: Subprime Comes on like a House on Fire.” In 2004 Mortgage Industry Directory. http://www.nationalmortgagenews.com/mid_demo/chap9.htm (accessed October 22, 2003).
    • In 2004 Mortgage Industry Directory
    • Muolo, P.1
  • 46
    • 85186711762 scopus 로고    scopus 로고
    • Federalization Would Maul State Banking System
    • October 3, 2003
    • Nelon, Gary, Chairman, Conference of State Banking Supervisors, Bankers Advisory Board. “Federalization Would Maul State Banking System.” American Banker, October 3, 2003.
    • American Banker
    • Nelon, G.1
  • 50
    • 85186731794 scopus 로고    scopus 로고
    • September. 30, 1996
    • Office of Thrift Supervision. 61 Federal Register 50,951 (September. 30, 1996).
    • 61 Federal Register 50,951
  • 51
    • 85186668607 scopus 로고    scopus 로고
    • September. 26, 2002
    • Office of Thrift Supervision. 67 Federal Register 60,542 (September. 26, 2002).
    • 67 Federal Register 60,542
  • 52
    • 85186703413 scopus 로고    scopus 로고
    • 96 Stat. 1469 (October 15, 1982
    • Public Law 97-320, 96 Stat. 1469 (October 15, 1982).
    • Public Law 97-320
  • 53
    • 85186662057 scopus 로고    scopus 로고
    • The Impact of North Carolina’s Anti-Predatory Lending Law: A Descriptive Assessment. Center for Community Capitalism
    • Quercia, Roberto, Michael Stegman, and Walter Davis. The Impact of North Carolina’s Anti-Predatory Lending Law: A Descriptive Assessment. Center for Community Capitalism, University of North Carolina at Chapel Hill, June 25, 2003. http://www.kenan-flagler.unc.edu/assets/documents/CC_NC_Anti_Predatory_Law_Impact.pdf.
    • (2003) University of North Carolina at Chapel Hill , pp. 25
    • Quercia, R.1    Stegman, M.2    Davis, W.3
  • 54
    • 85186667214 scopus 로고    scopus 로고
    • Predatory Lending, Consumer Behavior, and Housing Disinvestment
    • Richardson, Christopher A. “Predatory Lending, Consumer Behavior, and Housing Disinvestment.” Housing Policy Debate, forthcoming.
    • Housing Policy Debate
    • Richardson, C.A.1
  • 55
    • 85016546348 scopus 로고    scopus 로고
    • The Increase in Predatory Lending and Appropriate Remedial Actions
    • Saunders, Margot. “The Increase in Predatory Lending and Appropriate Remedial Actions.” North Carolina Banking Institute 6 (2002): 111-44.
    • (2002) North Carolina Banking Institute , vol.6 , pp. 111-144
    • Saunders, M.1
  • 56
    • 85186688884 scopus 로고
    • Reprinted in U.S.C.C.A.N. 236
    • Senate Report no. 96-368. Reprinted in U.S.C.C.A.N. 236 (1980).
    • (1980) Senate Report No. 96-368
  • 57
    • 85186639529 scopus 로고    scopus 로고
    • Summers Calls for Legislation to Curb Predatory Lending in Mortgage Markets
    • April 13
    • Schroeder, Michael. “Summers Calls for Legislation to Curb Predatory Lending in Mortgage Markets.” Wall Street Journal, April 13, 2000, p. A2.
    • (2000) Wall Street Journal , pp. A2
    • Schroeder, M.1
  • 58
    • 85015101089 scopus 로고    scopus 로고
    • Durham: Community Reinvestment Association of North Carolina
    • Skillern, Peter. Small Loans, Big Bucks. Durham: Community Reinvestment Association of North Carolina, 2002.
    • (2002) Small Loans, Big Bucks
    • Skillern, P.1
  • 60
    • 85186638763 scopus 로고    scopus 로고
    • The Federal Banking Agencies’ Guidance on Subprime Lending: Regulation with a Divided Mind
    • Smith, Joseph A. “The Federal Banking Agencies’ Guidance on Subprime Lending: Regulation with a Divided Mind.” North Carolina Banking Institute 6 (April 2002): 73-109.
    • (2002) North Carolina Banking Institute , vol.6 , pp. 73-109
    • Smith, J.A.1
  • 61
    • 85186663155 scopus 로고    scopus 로고
    • Quantifying the Economic Costs of Predatory Lending
    • Stein, Eric. “Quantifying the Economic Costs of Predatory Lending.” Center for Responsible Lending, rev. October 2001). http://www.predatorylending.org/pdfs/Quant10-01.PDF.
    • (2001) Center for Responsible Lending, Rev
    • Stein, E.1
  • 63
    • 85186726735 scopus 로고    scopus 로고
    • U.S. Department of Housing and Urban Development and U.S Department of the Treasury. “Curbing Predatory Lending.” http://www.hud.gov/library/bookshelf18/pressrel/treasrpt.pdf (June 2000).
    • (2000) Curbing Predatory Lending


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.