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1. |
Record Nr. |
UNINA9910781244303321 |
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Autore |
Immergluck Daniel |
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Titolo |
Foreclosed [[electronic resource] ] : high-risk lending, deregulation, and the undermining of America's mortgage market : with a new preface / / Dan Immergluck |
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Pubbl/distr/stampa |
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Ithaca, : Cornell University Press, 2009 |
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ISBN |
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0-8014-7714-X |
0-8014-5758-0 |
0-8014-5882-X |
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Descrizione fisica |
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1 online resource (280 p.) |
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Disciplina |
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Soggetti |
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Mortgage loans - United States |
Mortgage loans - Government policy - United States |
Subprime mortgage loans - United States |
Foreclosure - United States |
Financial services industry - Deregulation - United States |
Housing - Finance - Government policy - United States |
Financial crises - United States |
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Lingua di pubblicazione |
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Formato |
Materiale a stampa |
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Livello bibliografico |
Monografia |
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Note generali |
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Bibliographic Level Mode of Issuance: Monograph |
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Nota di bibliografia |
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Includes bibliographical references and index. |
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Nota di contenuto |
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U.S. mortgage market development and federal policy to the early 1990s -- Mortgage market disparities and the dual regulatory system in the twentieth century -- The high-risk revolution -- Mortgage market breakdown : the contributions of transactional failures, conflicts of interest, and global capital surpluses -- The economic and social costs of high-risk mortgage lending -- High-risk lending and public policy, 1995-2008 -- Policies for fair, affordable, and sustainable mortgage markets. |
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Sommario/riassunto |
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In 2007 and 2008, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or "exotic" home mortgage lending. Foreclosed explains the rise of high-risk lending and why these newer types of loans-and their associated regulatory |
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infrastructure-failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities. Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of home ownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years-including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products-led, he finds, inexorably to the current crisis. After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990's and early 2000's. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for "righting the ship" of U.S. housing finance in ways that will promote affordable yet sustainable home ownership as an option for a broad set of households and communities. The 2011 edition features a new preface by the author addressing the ongoing global economic crisis and the impact of U.S. financial reform efforts on the mortgage system. |
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2. |
Record Nr. |
UNISA996336608703316 |
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Titolo |
Actualidad Economica |
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Pubbl/distr/stampa |
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Madrid ; ; Barcelona, : Punto Editorial |
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Descrizione fisica |
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Soggetti |
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Economic history |
Spanje |
Economie |
Weekbladen |
Periodicals. |
Spain Economic conditions Periodicals |
Spain |
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Lingua di pubblicazione |
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Formato |
Materiale a stampa |
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Livello bibliografico |
Periodico |
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3. |
Record Nr. |
UNISANNIOTO01649174 |
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Titolo |
Coesione territoriale e sviluppo sostenibile del territorio europeo: convergenza e competitività : atti del convegno / a cura di Filippo Bencardino, Maria Prezioso |
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Pubbl/distr/stampa |
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Milano, : Franco Angeli, c2007 |
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ISBN |
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Descrizione fisica |
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Collana |
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Pubblicazioni DASES / Dipartimento di analisi dei sistemi economici e sociali, Università degli studi del Sannio ; 34 |
Economia , . Ricerche ; 558 |
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Disciplina |
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Soggetti |
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Sviluppo sostenibile - Europa |
Sviluppo economico e pianificazione territoriale - Paesi dell'Unione europea - Congressi - 2006 |
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Collocazione |
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POZZO LIB.ECON MON 615501POZZO LIB.ECON MON 615501POZZO LIB.ECON MON 615501POZZO LIB.F. BENCARDINO 37401POZZO LIB.F. BENCARDINO 37401BCA SC. SOCIAL 51901BCA SC. SOCIAL 51901BCA SC. SOCIAL 519 |
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Lingua di pubblicazione |
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Formato |
Materiale a stampa |
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Livello bibliografico |
Monografia |
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Note generali |
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Sul front.: Pubblicazioni DASES (Dipartimento di analisi dei sistemi economici e sociali univerità degli studi del Sannio). |
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