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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher : Unknown
Page : 100 pages
File Size : 47,8 Mb
Release : 2014
Category : Housing
ISBN : MINN:31951D038009043
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher : Unknown
Page : 134 pages
File Size : 46,9 Mb
Release : 2014
Category : Apartment houses
ISBN : MINN:31951D038009051
Author : Susan M. Wachter,Joseph Tracy
Publisher : University of Pennsylvania Press
Page : 288 pages
File Size : 54,8 Mb
Release : 2016-09-23
Category : Business & Economics
ISBN : 9780812248623
Nearly a decade after the housing market's collapse triggered the Great Recession, members of both sides of the political aisle are calling for reform. Principles of Housing Finance Reform lays out a roadmap for reforms for a new housing finance system to achieve liquidity, access, and sustainability.
Author : Susan M. Wachter,Joseph Tracy
Publisher : University of Pennsylvania Press
Page : 289 pages
File Size : 43,9 Mb
Release : 2016-08-10
Category : Business & Economics
ISBN : 9780812293739
In the fall of 2008, the world watched in horror as the U.S. housing finance system shattered, triggering a global financial panic and ultimately the Great Recession. Now, nearly a decade later, the long and slow housing recovery has reached a critical moment. Though the housing finance system has stabilized, it remains in the hands of the federal government, leaving taxpayers exposed to the credit risk while private funding remains mostly on the sidelines. Principles of Housing Finance Reform identifies the changes necessary to modernize the housing finance system, identifying guiding principles that should underlie a rebuilt system. Contributors to the volume set out a wealth of innovative solutions that are possible within this framework, presenting proposals for long-term structural reforms that would infuse new life into the U.S. housing finance system while enhancing long-term stability. Nearly a decade after the inception of the Great Recession, reform proposals have arisen across the political spectrum. This is a moment of opportunity for rebuilding a key sector of the U.S. economy. The research in this volume represents the best thinking of policy researchers and economic experts on the challenges that lie ahead and provides a roadmap for reforms to create a system characterized by liquidity, stability, access, and sustainability. Contributors: W. Scott Frame, Meghan Grant, John Griffith, Diana Hancock, Stephanie Heller, Akash Kanojia, Patricia C. Mosser, Kevin A. Park, Wayne Passmore, Roberto G. Quercia, David Scharfstein, Phillip Swagel, Joseph Tracy, Susan M. Wachter, Dale A. Whitman, Mark A. Willis, Joshua Wright.
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher : Unknown
Page : 562 pages
File Size : 44,5 Mb
Release : 2005
Category : Business & Economics
ISBN : STANFORD:36105050396402
Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher : Unknown
Page : 152 pages
File Size : 43,7 Mb
Release : 2013
Category : Federal aid to housing
ISBN : MINN:31951D037000236
Author : Martin Neil Baily
Publisher : Rowman & Littlefield
Page : 225 pages
File Size : 50,6 Mb
Release : 2011-09-30
Category : Business & Economics
ISBN : 9780815722090
Fannie Mae and Freddie Mac, government-sponsored enterprises that played a prominent role in the financial crisis of 2008, and the federal government have come to a crossroads. The government must make key decisions about their structure, and indeed, their very existence. The government has played an important role in the American housing market since the early 1930s, when the Great Depression ushered in housing programs to promote a stable society. The government's role expanded further during the recent housing and financial crisis—Fannie Mae and Freddie Mac now dominate the American housing market, backing more than 62 percent of new mortgages and holding more than $5 trillion in accumulated mortgage risk. In The Future of Housing Finance Martin Baily and his associates discuss the issues and options that policymakers face as they reassess the government's role in the U.S. residential mortgage market. While presenting diverse analytical perspectives, including a contribution from former chairman of the Federal Reserve Alan Greenspan, all contributors agree that the government's support for mortgage financing in the recent past was too broad and deep but some role is necessary to maintain the stability of the housing finance market. The Obama administration has recommended reducing the role of Fannie and Freddie while replacing them with a private market approach, but continuing federal support for worthy borrowers. But what will Congress agree to? And how fast will it move on any initiative? Specific topics include: • Introduction of a new system to reduce incentives that encourage excessive risk taking. • Gradual withdrawal of Fannie and Freddie from the housing finance system. • New approaches to regulating mortgage securitization, with financial stability as a primary goal. • Use of government-backed guarantees through institutional structures designed to limit moral hazard.
Author : Danny Ben-Shahar,Charles Leung,Seow-Eng Ong
Publisher : John Wiley & Sons
Page : 312 pages
File Size : 54,8 Mb
Release : 2009-01-28
Category : Business & Economics
ISBN : 9781444302318
The book provides a theoretical and empirical evaluation ofdifferent housing finance systems, presenting a collection ofstudies that describe various aspects of selected mortgage marketsaround the world. The uniqueness of the chosen markets lies in thefact that they represent not only different regions around theglobe (Africa, the Middle East, Asia, and Eastern Europe), but alsounderstudied markets in different stages of economic and financialdevelopment. This book examines questions relating to housingfinance efficiency and contract heterogeneity. In addition, itanalyses the securitization experiences in these countries toprovide lessons on how mortgage markets are integrated with capitalmarkets and how particular institutional framework interacts withmortgage markets. Short reviews are provided for each of the selected mortgagemarkets. The review will include institutional aspects of themarkets such as: the size and structure of the market (includingflows and accumulation of funds); a description of the competitionand a presentation of the major competitors (including marketshare, major financial measures, etc.); profitability in themarket, trends, structural changes, the major mortgage instrumentsand their market share, special tax issues, the role of thegovernment in the market, defaults, prepayments, mortgageinsurance, and major regulatory issues. The analysis explores the major existing problems in the mortgagemarket of each country, the current steps adopted to solve theseproblems, possible propositions for dealing with the major issuesin the future, and the implied future developments anticipated inthe market.
Author : United States. Congress. House. Committee on Financial Services
Publisher : Unknown
Page : 68 pages
File Size : 45,6 Mb
Release : 2005
Category : Business & Economics
ISBN : PURD:32754077533564
Author : United States. Congress
Publisher : Unknown
Page : 1292 pages
File Size : 40,9 Mb
Release : 2013
Category : Law
ISBN : OSU:32437123702280
Author : Anonim
Publisher : Unknown
Page : 1302 pages
File Size : 40,5 Mb
Release : 2024-06-13
Category : Electronic
ISBN : 8210379456XXX
Author : Doris Köhn,J. D. Pischke
Publisher : Springer Science & Business Media
Page : 244 pages
File Size : 54,8 Mb
Release : 2011-01-21
Category : Business & Economics
ISBN : 9783540778578
The growth of urban areas and population in middle and low income countries is a continuing trend. Urbanization expands as rural to urban migration offers better income opportunities in cities. This trend is both a source of development opportunities and challenges for the housing sector. On the one hand, housing is a large and growing market, and on the other, massive slums confirm the poor housing conditions in many developing countries. These adverse conditions mirror inadequate housing policies, inefficient or absent property registration, as well as limits to access to housing finance. Provision of affordable housing is therefore an important topic in the fight against poverty. This book focuses on solutions that improve the enabling environment for the poor in accessing housing finance. It explores how to develop and integrate housing finance into a sustainable financial system for developing countries and offers ways in which low-income families can obtain better access to housing finance. This book provides a conceptual framework for housing finance development and addresses practical solutions in the provision of housing finance and compares different approaches.
Author : Paul Reeves
Publisher : Routledge
Page : 252 pages
File Size : 52,7 Mb
Release : 2013-11-07
Category : Architecture
ISBN : 9781134690855
Affordable and Social Housing - Policy and Practice is a candid and critical appraisal of current big-ticket issues affecting the planning, development and management of affordable and social housing in the United Kingdom. The successor to the second edition of the established textbook An Introduction to Social Housing, the book includes new chapters, reflecting the focal importance of customer involvement and empowerment, regeneration and the Localism agenda which will have radical impacts on housing provision and tenure, as well as the town and country planning system which enables its development. There is also a new chapter on Housing Law in response to demand for a clear and signposting exposition of this often complex area. Reeves indicates how each theme affects the other, and suggests policy directions on the basis of past successes and failures. Paul Reeves takes a people-centred approach to the subject, describing the themes that have run through provision of social housing from the first philanthropic industrialists in the 19th Century though to the increasingly complex mixture of ownerships and tenures in the present day. The book is ideal for students of housing and social policy, and for housing professionals aiming to obtain qualifications and wanting a broad understanding of the social housing sector.
Author : Anonim
Publisher : Unknown
Page : 606 pages
File Size : 55,7 Mb
Release : 2024-06-13
Category : Electronic
ISBN : 8210379456XXX
Author : Gregory P. Wilson
Publisher : John Wiley & Sons
Page : 409 pages
File Size : 51,5 Mb
Release : 2011-01-20
Category : Business & Economics
ISBN : 9781118023006
How to manage and profit from the new financial regulatory reality Now, more than ever, navigating the new financial regulations is paramount for the survival of many large institutions. Managing to the New Regulatory Reality: Doing Business Under the Dodd-Frank Act provides the most important, need-to-know lessons for private sector management, boards of directors, policymakers, and even regulators, shedding light on the movement from crisis to panic, regulatory reform to winning under continuing financial regulatory uncertainty. Reviews the causes of 2008's financial crisis, and assesses its impact on multiple stakeholders Describes and analyzes the impact of the immediate U.S. and G20 policy and regulatory reactions on financial institutions that the crisis response triggered Explains the legislative policies, and examines how institutions and the financial services industry can make these new policies and regulations work for them All financial institutions, but especially large companies, will have to aggressively manage to the new regulatory reality. Managing to the New Regulatory Reality is the must-have survival guide to sustaining profitability despite all the new red tape.