Nothing Special   »   [go: up one dir, main page]
create a website
Did the Community Reinvestment Act (CRA) Lead to Risky Lending?. (2012). Seru, Amit ; Benmelech, Efraim ; Agarwal, Sumit ; Bergman, Nittai.
In: NBER Working Papers.
RePEc:nbr:nberwo:18609.

Full description at Econpapers || Download paper

Cited: 43

Citations received by this document

Cites: 22

References cited by this document

Cocites: 22

Documents which have cited the same bibliography

Coauthors: 0

Authors who have wrote about the same topic

Citations

Citations received by this document

  1. Measuring Fairness in the U.S. Mortgage Market. (2025). Freyaldenhoven, Simon ; Kobler, Ryan ; Shin, Minchul ; Elzayn, Hadi.
    In: Working Papers.
    RePEc:fip:fedpwp:99500.

    Full description at Econpapers || Download paper

  2. Mortgage Lending, Default, and the Community Reinvestment Act. (2023). Ringo, Daniel.
    In: Journal of Money, Credit and Banking.
    RePEc:wly:jmoncb:v:55:y:2023:i:1:p:77-102.

    Full description at Econpapers || Download paper

  3. Impact of the Community Reinvestment Act on small business employment in lower income neighborhoods. (2023). Kim, Mee Jung.
    In: Regional Science and Urban Economics.
    RePEc:eee:regeco:v:98:y:2023:i:c:s0166046222000758.

    Full description at Econpapers || Download paper

  4. Goodhart’s law in China: Bank branching regulation and window dressing. (2023). Huizinga, Harry ; Gong, Di ; Zhu, Jigao ; Li, Tianshi.
    In: Journal of Empirical Finance.
    RePEc:eee:empfin:v:74:y:2023:i:c:s0927539823001019.

    Full description at Econpapers || Download paper

  5. .

    Full description at Econpapers || Download paper

  6. The Role of Regulation and Bank Competition in Small Firm Financing: Evidence from the Community Reinvestment Act. (2022). Wu, Kejia ; Serfes, Konstantinos ; Pennacchi, George ; Avramidis, Panagiotis.
    In: Working Papers.
    RePEc:fip:fedpwp:93724.

    Full description at Econpapers || Download paper

  7. Does Giving CRA Credit for Loan Purchases Increase Mortgage Credit in Low-to-Moderate Income Communities?. (2022). Brevoort, Kenneth.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2022-47.

    Full description at Econpapers || Download paper

  8. Financial inclusion, bank market structure, and financial stability: International evidence. (2021). Nassif, Pamela ; Mora, Nada ; Feghali, Khalil.
    In: The Quarterly Review of Economics and Finance.
    RePEc:eee:quaeco:v:80:y:2021:i:c:p:236-257.

    Full description at Econpapers || Download paper

  9. Color and credit: Race, regulation, and the quality of financial services. (2021). Purnanandam, Amiyatosh ; Begley, Taylor A.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:141:y:2021:i:1:p:48-65.

    Full description at Econpapers || Download paper

  10. How Costly is Noise? Data and Disparities in Consumer Credit. (2021). Blattner, Laura ; Nelson, Scott.
    In: Papers.
    RePEc:arx:papers:2105.07554.

    Full description at Econpapers || Download paper

  11. .

    Full description at Econpapers || Download paper

  12. Household finance. (2020). Haliassos, Michael ; Gomes, Francisco J ; Ramadorai, Tarun.
    In: IMFS Working Paper Series.
    RePEc:zbw:imfswp:138.

    Full description at Econpapers || Download paper

  13. Macroprudential Policy, Mortgage Cycles and Distributional Effects: Evidence from the UK. (2020). Rodríguez Tous, Francesc ; Peydro, Jose-Luis ; Uluc, Arzu ; Tripathy, Jagdish ; Rodriguez-Tous, Francesc.
    In: EconStor Preprints.
    RePEc:zbw:esprep:223303.

    Full description at Econpapers || Download paper

  14. Macroprudential policy, mortgage cycles and distributional effects: Evidence from the UK. (2020). Peydro, Jose-Luis ; Uluc, Arzu ; Tripathy, Jagdish ; Tous, Francesc R.
    In: Economics Working Papers.
    RePEc:upf:upfgen:1725.

    Full description at Econpapers || Download paper

  15. Searching for Approval. (2020). yao, vincent ; Seru, Amit ; Agarwal, Sumit ; Matvos, Gregor ; Hortasu, Ali ; Grigsby, John.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:27341.

    Full description at Econpapers || Download paper

  16. Bank Lending in the Knowledge Economy. (2020). Ratnovski, Lev ; Minoiu, Camelia ; Kadyrzhanova, Dalida ; Dell'ariccia, Giovanni.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2020-40.

    Full description at Econpapers || Download paper

  17. Mortgage market credit conditions and U.S. Presidential elections. (2020). Calomiris, Charles W ; Antoniades, Alexis.
    In: European Journal of Political Economy.
    RePEc:eee:poleco:v:64:y:2020:i:c:s0176268020300574.

    Full description at Econpapers || Download paper

  18. Bank adaptation to neighborhood change: Mortgage lending and the Community Reinvestment Act. (2020). Lee, Hyojung ; Bostic, Raphael W.
    In: Journal of Urban Economics.
    RePEc:eee:juecon:v:116:y:2020:i:c:s0094119019300889.

    Full description at Econpapers || Download paper

  19. Bank lending in the knowledge economy. (2020). Kadyrzhanova, Dalida ; Ratnovski, Lev ; Minoiu, Camelia ; Dellariccia, Giovanni.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20202429.

    Full description at Econpapers || Download paper

  20. Macroprudential Policy, Mortgage Cycles and Distributional Effects: Evidence from the UK. (2020). Uluc, Arzu ; Rodríguez Tous, Francesc ; Peydro, Jose-Luis ; Tripathy, Jagdish.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:15275.

    Full description at Econpapers || Download paper

  21. Household Finance. (2020). Gomes, Francisco J ; Haliassos, Michael ; Ramadorai, Tarun.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:14502.

    Full description at Econpapers || Download paper

  22. Macroprudential policy, mortgage cycles and distributional effects: Evidence from the UK. (2020). Rodríguez Tous, Francesc ; Uluc, Arzu ; Tripathy, Jagdish ; Rodriguez-Tous, Francesc ; Peydro, Jose-Luis.
    In: Bank of England working papers.
    RePEc:boe:boeewp:0866.

    Full description at Econpapers || Download paper

  23. Macroprudential Policy, Mortgage Cycles and Distributional Effects: Evidence from the UK. (2020). Rodríguez Tous, Francesc ; Uluc, Arzu ; Tripathy, Jagdish ; Peydro, Jose-Luis.
    In: Working Papers.
    RePEc:bge:wpaper:1183.

    Full description at Econpapers || Download paper

  24. Partial Deregulation and Competition: Effects on Risky Mortgage Origination. (2019). Korgaonkar, Sanket ; Kermani, Amir ; di Maggio, Marco ; Dimaggio, Marco .
    In: Management Science.
    RePEc:inm:ormnsc:v:65:y:2019:i:10:p:4676-4711.

    Full description at Econpapers || Download paper

  25. Mortgage Market Credit Conditions and U.S. Presidential Elections. (2018). Calomiris, Charles ; Antoniades, Alexis.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:24459.

    Full description at Econpapers || Download paper

  26. The housing bubble and the evolution of the homeownership gap. (2017). Oberg, Phillip Michael .
    In: The Quarterly Review of Economics and Finance.
    RePEc:eee:quaeco:v:65:y:2017:i:c:p:25-35.

    Full description at Econpapers || Download paper

  27. Mortgage supply and the US housing boom: The role of the Community Reinvestment Act. (2016). Saadi, Vahid .
    In: SAFE Working Paper Series.
    RePEc:zbw:safewp:155.

    Full description at Econpapers || Download paper

  28. Mortgage supply and the US housing boom: The role of the community reinvestment act. (2016). Saadi, Vahid .
    In: IWH Discussion Papers.
    RePEc:zbw:iwhdps:322016.

    Full description at Econpapers || Download paper

  29. International Comparative Household Finance. (2016). Ramadorai, Tarun ; Campbell, John ; Badarinza, Cristian.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:22066.

    Full description at Econpapers || Download paper

  30. Contagious Real Estate Cycle: Case of the US Subprime Related Crisis. (2016). Yang, Tyler T ; Zhang, Jessie Y.
    In: International Real Estate Review.
    RePEc:ire:issued:v:19:n:02:2016:p:171-196.

    Full description at Econpapers || Download paper

  31. International Comparative Household Finance. (2016). Ramadorai, Tarun ; Campbell, John ; Badarinza, Cristian.
    In: Scholarly Articles.
    RePEc:hrv:faseco:27535132.

    Full description at Econpapers || Download paper

  32. Loans on sale: Credit market seasonality, borrower need, and lender rents. (2016). Petersen, Mitchell ; Murfin, Justin .
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:121:y:2016:i:2:p:300-326.

    Full description at Econpapers || Download paper

  33. The Politics of Financial Development: A Review of Calomiris and Habers Fragile by Design. (2016). Rousseau, Peter.
    In: Journal of Economic Literature.
    RePEc:aea:jeclit:v:54:y:2016:i:1:p:208-23.

    Full description at Econpapers || Download paper

  34. A look back: what we now know about the causes of the US mortgage crisis. (2015). Immergluck, Dan.
    In: International Journal of Urban Sciences.
    RePEc:taf:rjusxx:v:19:y:2015:i:3:p:269-285.

    Full description at Econpapers || Download paper

  35. The Financial Crisis of 2007–2009: Why Did It Happen and What Did We Learn?. (2015). Thakor, Anjan V.
    In: Review of Corporate Finance Studies.
    RePEc:oup:rcorpf:v:4:y:2015:i:2:p:155-205..

    Full description at Econpapers || Download paper

  36. The Impact of Regulation on Mortgage Risk: Evidence from India. (2015). Campbell, John Y ; Ranish, Benjamin ; Ramadorai, Tarun.
    In: Scholarly Articles.
    RePEc:hrv:faseco:34331451.

    Full description at Econpapers || Download paper

  37. US Housing Policy. (2015). Zabel, Jeffrey E ; Olsen, Edgar O.
    In: Handbook of Regional and Urban Economics.
    RePEc:eee:regchp:5-887.

    Full description at Econpapers || Download paper

  38. The ins and outs of mortgage debt during the housing boom and bust. (2015). Bhutta, Neil.
    In: Journal of Monetary Economics.
    RePEc:eee:moneco:v:76:y:2015:i:c:p:284-298.

    Full description at Econpapers || Download paper

  39. Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?. (2015). Owyang, Michael ; Hernandez-Murillo, Ruben ; Ghent, Andra.
    In: Real Estate Economics.
    RePEc:bla:reesec:v:43:y:2015:i:4:p:820-854.

    Full description at Econpapers || Download paper

  40. Do Parents Matter? Effects of Lender Affiliation Through the Mortgage Boom and Bust. (2014). Gartenberg, Claudine.
    In: Management Science.
    RePEc:inm:ormnsc:v:60:y:2014:i:11:p:2776-2793.

    Full description at Econpapers || Download paper

  41. The ins and outs of mortgage debt during the housing boom and bust. (2014). Bhutta, Neil.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2014-91.

    Full description at Econpapers || Download paper

  42. Legal Institutions, Credit Markets, and Economic Activity. (2014). Heimer, Rawley ; Cookson, J. ; Brown, James.
    In: Working Papers (Old Series).
    RePEc:fip:fedcwp:1434.

    Full description at Econpapers || Download paper

  43. How Do Regulators Influence Mortgage Risk: Evidence from an Emerging Market. (2012). Ramadorai, Tarun ; Campbell, John ; Ranish, Benjamin.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:18394.

    Full description at Econpapers || Download paper

References

References cited by this document

  1. Agarwal, Sumit, David Lucca, Amit Seru, and Francesco Trebbi. 2012. “Inconsistent Regulators: Evidence from Banking.” Working Paper no. 17736, NBER.

  2. Agarwal, Sumit, Yan Chang, and Abdullah Yavas. 2012. “Adverse Selection in Mortgage Securitization.” J.F.E. 105 (3): 640–660.
    Paper not yet in RePEc: Add citation now
  3. Barlevy, Gadi and Jonas Fisher, 2010, “Mortgage Choices and Housing Speculation”, FRB Chicago Working Paper.
    Paper not yet in RePEc: Add citation now
  4. Barr, Michael S. 2005. “Credit Where It Counts: The Community Reinvestment Act and Its Critics.” N.Y.U. L. Rev. 80 (2): 513.
    Paper not yet in RePEc: Add citation now

  5. Ben-David, Itzhak, 2011, Financial Constraints and Inflated Home Prices during the Real-Estate Boom, AEJ: Applied, 3(3), 55-78 Bhutta, Neil. 2012. “The Community Reinvestment Act and Mortgage Lending to Lower Income Borrowers and Neighborhoods.” J. L. Econ., forthcoming.

  6. Calomiris, Charles. 2008. “The Subprime Turmoil: What’s Old, What’s New, and What’s Next,” Maintaining Stability in a Changing Financial System, Federal Reserve Bank of Kansas City’s Jackson Hole Symposium, 19-110.
    Paper not yet in RePEc: Add citation now

  7. Calomiris, Charles. 2011. “An Incentive-Robust Program for Financial Reform", Cato J. 31, 561-90.

  8. Chevalier, Judith, and Glenn Ellison. 1997. “Risk Taking by Mutual Funds as a Response to Incentives.” J.P.E. 105 (6): 1167–1200.

  9. Dahl, Drew, Douglass Evanoff, and Michael Spivey. 1999. “The Response of Banks to Regulatory Enforcement: The Community Reinvestment Act.” In Bank Problems: A Global Perspective, ed. George Kaufman. Vol. 11. Greenwich, CT: JAI Press.
    Paper not yet in RePEc: Add citation now

  10. Dahl, Drew, Douglass Evanoff, and Michael Spivey. 2000. “Does the Community Reinvestment Act Influence Lending? An analysis of Changes in Bank Low-Income Mortgage Activity” Working Paper no.2000-06. Federal Reserve Bank of Chicago Dinardo, John, and Jack Johnston. 1996. Econometric Methods, 4th ed. New York: McGrawHill.

  11. Financial Crisis Inquiry Commission (FCIC). 2010. Final Report of the National Commission on the Causes of the Financial and Economic Crisis in the United States. Internal Report.
    Paper not yet in RePEc: Add citation now

  12. Hernandez-Murillo, Ruben, Andra C. Ghent, and Michael T. Owyang. 2012. “Did Affordable Housing Legislation Contribute to the Subprime Securities Boom?” Working paper.

  13. Keys, Benjamin J., Amit Seru, and Vikrant Vig. 2012. “Lender Screening and Role of Securitization: Evidence from Prime and Subprime Mortgage Markets.” Rev. Fin. Stud., forthcoming.

  14. Keys, Benjamin J., Tanmoy K. Mukherjee, Amit Seru, and Vikrant Vig. 2010. “Did Securitization Lead to Lax Screening? Evidence from Subprime Loans.” Q.J.E. 125 (1): 307– 362.

  15. Kroszner, Randall (2008), “The Community Reinvestment Act and the Recent Mortgage Crisis,” speech at the Confronting Concentrated Poverty Policy Forum, December 3, 2008.
    Paper not yet in RePEc: Add citation now
  16. Krugman, Paul. 2010. “Things Everyone in Chicago Knows.” Krugman.blogs.nytimes.com, June 3. Liebman, Jeffrey, and Neale Mahoney. 2012. “Do Expiring Budgets Lead to Wasteful Year-End Spending? Evidence from Federal Procurement.” Working paper.
    Paper not yet in RePEc: Add citation now

  17. Loutskina, Elena and Philip E. Strahan, 2011, “Informed and Uninformed Investment in Housing: The Downside of Diversification,” Rev. Fin. Stud., 24(5).

  18. Mayer, Christopher, Edward Morrison and Tomasz Piskorski, 2009, “A New Proposal for Loan Modifications”, Yale J. on Reg. 26, 417-429.
    Paper not yet in RePEc: Add citation now

  19. Mayer, Christopher, Edward Morrison, Tomasz Piskorski, and Arpit Gupta. 2011. “Mortgage Modification and Strategic Behavior: Evidence from a Legal Settlement with Countrywide”, Working Paper no. 17065, NBER Mian, Atif, and Amir Sufi. 2009. “The Consequences of Mortgage Credit Expansion: Evidence from the U.S. Mortgage Default Crisis.” Q.J.E. 124 (4): 1449–1496.

  20. Mayer, Christopher, Karen Pence, and Shane Sherlund. 2009. “The Rise in Mortgage Defaults.” JEcon Perspect. 23(1): 27-50 Mayer, Christopher, and Karen Pence. 2009. “Subprime Mortgages: What, Where, and to Whom?” In Housing Markets and the Economy: Risk, Regulation, and Policy, ed. Edward Glaeser and John Quigley. Cambridge, MA: Lincoln Land Institute.
    Paper not yet in RePEc: Add citation now

  21. Oyer, Paul. 1998. “Fiscal Year Ends and Non-Linear Incentive Contracts: The Effect on Business Seasonality.” Q.J.E. 113 (1): 149–185.

  22. Rajan, Raghuram. 2010. “Bankers Have Been Sold Short by Market Distortions.” Financial Times, June 2.
    Paper not yet in RePEc: Add citation now

Cocites

Documents in RePEc which have cited the same bibliography

  1. DECLINE IN STATE CHARTERED BANKS:CAUSES, CONCERNS, AND CONCLUSIONS. (2019). David, Mitchell ; Michael, Casey ; Hannah, James.
    In: Studies in Business and Economics.
    RePEc:blg:journl:v:14:y:2019:i:1:p:99-110.

    Full description at Econpapers || Download paper

  2. Strategic Default Induced by Loan Modification Programs. (2016). Zhao, Xinlei ; Li, Xianghong.
    In: MPRA Paper.
    RePEc:pra:mprapa:73594.

    Full description at Econpapers || Download paper

  3. The political economy of bank bailouts. (2015). Vig, Vikrant ; Kick, Thomas ; Haselmann, Rainer ; Behn, Markus.
    In: IMFS Working Paper Series.
    RePEc:zbw:imfswp:86.

    Full description at Econpapers || Download paper

  4. The Impact of Reversing Regulatory Arbitrage on Loan Originations: Evidence from Bank Holding Companies. (2015). Shi, Lan ; Downs, David .
    In: The Journal of Real Estate Finance and Economics.
    RePEc:kap:jrefec:v:50:y:2015:i:3:p:307-338.

    Full description at Econpapers || Download paper

  5. Shareholder activism in banking. (2015). Roman, Raluca.
    In: Research Working Paper.
    RePEc:fip:fedkrw:rwp15-09.

    Full description at Econpapers || Download paper

  6. Between capture and discretion - The determinants of distressed bank treatment and expected government support. (2015). Ignatowski, Magdalena ; Werger, Charlotte ; Korte, Josef .
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20151835.

    Full description at Econpapers || Download paper

  7. Towards deeper financial integration in Europe: What the Banking Union can contribute. (2014). Weigert, Benjamin ; Körner, Tobias ; Buch, Claudia ; Korner, Tobias .
    In: Working Papers.
    RePEc:zbw:svrwwp:022013r.

    Full description at Econpapers || Download paper

  8. The Evolution of Bank Supervision: Evidence from U.S. States. (2014). Jaremski, Matthew ; Mitchener, KrisJames.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:20603.

    Full description at Econpapers || Download paper

  9. Selling Failed Banks. (2014). Seru, Amit ; Granja, João ; Matvos, Gregor.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:20410.

    Full description at Econpapers || Download paper

  10. The Effects of Bank Charter Switching on Supervisory Ratings. (2014). Rezende, Marcelo .
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2014-20.

    Full description at Econpapers || Download paper

  11. Mortgage companies and regulatory arbitrage. (2014). Demyanyk, Yuliya.
    In: Working Papers (Old Series).
    RePEc:fip:fedcwp:1220.

    Full description at Econpapers || Download paper

  12. Changes in bank lending standards and the macroeconomy. (2014). Zakrajsek, Egon ; Driscoll, John ; Zakrajek, Egon ; Bassett, William F. ; Chosak, Mary Beth .
    In: Journal of Monetary Economics.
    RePEc:eee:moneco:v:62:y:2014:i:c:p:23-40.

    Full description at Econpapers || Download paper

  13. The Evolution of Bank Supervision: Evidence from U.S. States. (2014). Mitchener, KrisJames.
    In: CAGE Online Working Paper Series.
    RePEc:cge:wacage:181.

    Full description at Econpapers || Download paper

  14. Towards deeper financial integration in Europe: What the Banking Union can contribute. (2013). Weigert, Benjamin ; Körner, Tobias ; Buch, Claudia ; Korner, Tobias .
    In: Working Papers.
    RePEc:zbw:svrwwp:022013.

    Full description at Econpapers || Download paper

  15. Towards Deeper Financial Integration in Europe: What the Banking Union Can Contribute. (2013). Weigert, Benjamin ; Buch, Claudia ; Korner, Tobias .
    In: IWH Discussion Papers.
    RePEc:zbw:iwhdps:iwh-13-13.

    Full description at Econpapers || Download paper

  16. Advertising Expensive Mortgages. (2013). Seru, Amit ; Gurun, Umit ; Matvos, Gregor.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:18910.

    Full description at Econpapers || Download paper

  17. Asset Quality Misrepresentation by Financial Intermediaries: Evidence from RMBS Market. (2013). Seru, Amit ; Piskorski, Tomasz ; Witkin, James .
    In: NBER Working Papers.
    RePEc:nbr:nberwo:18843.

    Full description at Econpapers || Download paper

  18. Capital ratios and bank lending: A matched bank approach. (2013). Warusawitharana, Missaka ; Shan, Hui ; Carlson, Mark.
    In: Journal of Financial Intermediation.
    RePEc:eee:jfinin:v:22:y:2013:i:4:p:663-687.

    Full description at Econpapers || Download paper

  19. Bank monitoring incentives and optimal ABS. (2013). Pagès, Henri ; Pages, Henri .
    In: Journal of Financial Intermediation.
    RePEc:eee:jfinin:v:22:y:2013:i:1:p:30-54.

    Full description at Econpapers || Download paper

  20. Did the Community Reinvestment Act (CRA) Lead to Risky Lending?. (2012). Seru, Amit ; Benmelech, Efraim ; Agarwal, Sumit ; Bergman, Nittai.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:18609.

    Full description at Econpapers || Download paper

  21. Estimating changes in supervisory standards and their economic effects. (2012). Lee, Seung Jung ; Bassett, William F. ; Spiller, Thomas W..
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2012-55.

    Full description at Econpapers || Download paper

  22. Bank monitoring incentives and optimal ABS. (2012). Pagès, Henri.
    In: Working papers.
    RePEc:bfr:banfra:377.

    Full description at Econpapers || Download paper

Coauthors

Authors registered in RePEc who have wrote about the same topic

Report date: 2025-03-06 08:22:54 || Missing content? Let us know

CitEc is a RePEc service, providing citation data for Economics since 2001. Sponsored by INOMICS. Last updated October, 6 2023. Contact: CitEc Team.