Moving forward : the future of consumer credit and mortgage finance
著者
書誌事項
Moving forward : the future of consumer credit and mortgage finance
（James A. Johnson metro series）
Joint Center for Housing Studies, Harvard University , Brookings Institution Press, c2011
- : pbk
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注記
Includes bibliographical references and index
収録内容
- Introduction : credit everywhere, but not a drop to drink / Nicolas P. Retsinas and Eric S. Belsky
- Comment : seven steps to a rational credit policy / Eugene Ludwig
- Rebuilding the housing finance system after the boom and bust in nonprime mortgage lending / Eric S. Belsky and Nela Richardson
- How should we serve the short-term credit needs of low-income consumers? / Rachel Schneider and Melissa Koide
- A changing credit environment and its impact on low-income and minority borrowers and communities / Marsha J. Courchane and Peter M. Zorn
- Alternative forms of mortgage finance : what can we learn from other countries? / Michael Lea
- The Home Mortgage Disclosure Act at thirty-five : past history, current issues / Allen Fishbein and Ren Essene
- Loan-level disclosure in securitization transactions : a problem with three dimensions / Howell E. Jackson
- The regulation of consumer financial products : an introductory essay with a case study on payday lending / John Y. Campbell ... [et al.]
内容説明・目次
内容説明
"The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and restructured. Such reform will have a profound and lasting impact on the capacity of Americans to use credit to build assets and finance consumption.
Moving Forward explores what caused the crisis and, more important, focuses on the path ahead. The challenge remains the same as ever: protect consumers, ensure fairness, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice. Nicolas Retsinas, Eric Belsky, and their colleagues aim to stimulate debate based on analysis of the opportunities and challenges presented by the various components of global capital markets: financial engineering, risk assessment and management, specialization of financial intermediation, and marketing methods. The contributors-leaders in business, government, academia, and the nonprofit sector-discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders.
Contributors: John Y. Campbell, Harvard University; Marsha J. Courchane, Charles River Associates; Ren Essene, Federal Reserve Board; Allen Fishbein, Federal Reserve Board; Howell E. Jackson, Harvard Law School; Melissa Koide, Center for Financial Services Innovation; Michael Lea, San Diego State University; Eugene Ludwig, Promontory Financial Group; Brigitte C. Madrian, Harvard Kennedy School; Nela Richardson, Joint Center for Housing Studies of Harvard University; Rachel Schneider, Center for Financial Services Innovation; Peter Tufano, Harvard Business School; Peter M. Zorn, Freddie Mac
"
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