Borrowing to live: consumer and mortgage credit revisited
Americans are awash in debt. Credit undergirds daily life more than ever before - it is one of the defining aspects of life in the United States today. The damage from a depressed housing market is exacerbated by the subprime lender implosion, sending shock waves through the financial sector, intern...
Gespeichert in:
| Format: | Buch |
|---|---|
| Sprache: | English |
| Veröffentlicht: |
Washington, D.C.
Brookings Institution Press
2008
|
| Schriftenreihe: | James A. Johnson metro series
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Zusammenfassung: | Americans are awash in debt. Credit undergirds daily life more than ever before - it is one of the defining aspects of life in the United States today. The damage from a depressed housing market is exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and the presidential campaign. Most low- or moderate-income people borrow, but they are doing it to stay afloat rather than to keep up with the Joneses.How did things go so wrong? How can we maintain and expand access to credit while protecting the consumer and avoiding a reoccurrence of the current crisis? In "Borrowing to Live", the Joint Center for Housing Studies of Harvard University bring together an elite group of experts, an eclectic group drawn from the best of academia, research, and public service. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the current state of consumer and mortgage credit in the United States and help point the way out of the current impasse. |
| Beschreibung: | "Dissects the current state of consumer and mortgage credit in the United States and helps point the way out of the current impasse"--Provided by publisher. Includes bibliographical references and index |
| Beschreibung: | X, 289 S. graph. Darst. |
| ISBN: | 9780815774136 |
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| 520 | 3 | |a Americans are awash in debt. Credit undergirds daily life more than ever before - it is one of the defining aspects of life in the United States today. The damage from a depressed housing market is exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and the presidential campaign. Most low- or moderate-income people borrow, but they are doing it to stay afloat rather than to keep up with the Joneses.How did things go so wrong? How can we maintain and expand access to credit while protecting the consumer and avoiding a reoccurrence of the current crisis? In "Borrowing to Live", the Joint Center for Housing Studies of Harvard University bring together an elite group of experts, an eclectic group drawn from the best of academia, research, and public service. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the current state of consumer and mortgage credit in the United States and help point the way out of the current impasse. | |
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Datensatz im Suchindex
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|---|---|
| adam_text | BORROWING TO LIVE CONSUMER AND MORTGAGE CREDIT REVISITED NICOLAS P.
RETSINAS ERIC S. BELSKY EDITORS JOINT CENTER FOR HOUSING STUDIES HARVARD
UNIVERSITY CAMBRIDGE, MASSACHUSETTS BROOKINGS INSTITUTION PRESS
WASHINGTON, D.C. CONTENTS ACKNOWLEDGMENTS IX INTRODUCTION: BORROWING TO
LIVE 1 NICOLAS P. RETSINAS AND ERIC S. BELSKY 1 CONSUMER AND MORTGAGE
CREDIT AT THE CROSSROADS 5 ERIC S. BELSKY, REN S. ESSENE, AND NICOLAS P.
RETSINAS 2 WHERE DOES IT GO? SPENDING BY THE FINANCIALLY CONSTRAINED 65
SHAWN COLE, JOHN THOMPSON, AND PETER TUFANO 3 FINANCIAL DECISIONMAKING
PROCESSES OF LOW-INCOME INDIVIDUALS 92 EDNA R. SAWADY AND JENNIFER
TESCHER 4 THE LEGAL INFRASTRUCTURE OF SUBPRIME AND NONTRADITIONAL HOME
MORTGAGES 110 PATRICIA A. MCCOY AND ELIZABETH RENUART VI1 VLLL CONTENTS
5 THE IMPACT OF STATE ANTIPREDATORY LENDING LAWS: POLICY IMPLICATIONS
AND INSIGHTS 138 RAPHAEL W. BOSTIC, KATHLEEN C. ENGEL, PATRICIA A.
MCCOY, ANTHONY PENNINGTON-CROSS, AND SUSAN M. WACHTER 6 BEHAVIORALLY
INFORMED HOME MORTGAGE CREDIT REGULATION 170 MICHAEL S. BARR, SENDHIL
MULLAINATHAN, AND ELDAR SHAFIR 7 INTERVENTIONS IN MORTGAGE DEFAULT:
POLICIES AND PRACTICES TO PREVENT HOME LOSS AND LOWER COSTS 203 AMY
CREWS CUTTS AND WILLIAM A. MERRILL 8 LOOKING BEYOND OUR SHORES: CONSUMER
PROTECTION REGULATION LESSONS FROM THE UNITED KINGDOM 255 ELAINE KEMPSON
CONTRIBUTORS 269 INDEX 271
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| spelling | Borrowing to live consumer and mortgage credit revisited Nicolas P. Retsinas ..., eds. Washington, D.C. Brookings Institution Press 2008 X, 289 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier James A. Johnson metro series "Dissects the current state of consumer and mortgage credit in the United States and helps point the way out of the current impasse"--Provided by publisher. Includes bibliographical references and index Americans are awash in debt. Credit undergirds daily life more than ever before - it is one of the defining aspects of life in the United States today. The damage from a depressed housing market is exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and the presidential campaign. Most low- or moderate-income people borrow, but they are doing it to stay afloat rather than to keep up with the Joneses.How did things go so wrong? How can we maintain and expand access to credit while protecting the consumer and avoiding a reoccurrence of the current crisis? In "Borrowing to Live", the Joint Center for Housing Studies of Harvard University bring together an elite group of experts, an eclectic group drawn from the best of academia, research, and public service. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the current state of consumer and mortgage credit in the United States and help point the way out of the current impasse. Consumer credit United States Mortgage loans United States USA Retsinas, Nicolas Paul 1946- Sonstige (DE-588)137444664 oth GBV Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017084798&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Borrowing to live consumer and mortgage credit revisited Consumer credit United States Mortgage loans United States |
| title | Borrowing to live consumer and mortgage credit revisited |
| title_auth | Borrowing to live consumer and mortgage credit revisited |
| title_exact_search | Borrowing to live consumer and mortgage credit revisited |
| title_full | Borrowing to live consumer and mortgage credit revisited Nicolas P. Retsinas ..., eds. |
| title_fullStr | Borrowing to live consumer and mortgage credit revisited Nicolas P. Retsinas ..., eds. |
| title_full_unstemmed | Borrowing to live consumer and mortgage credit revisited Nicolas P. Retsinas ..., eds. |
| title_short | Borrowing to live |
| title_sort | borrowing to live consumer and mortgage credit revisited |
| title_sub | consumer and mortgage credit revisited |
| topic | Consumer credit United States Mortgage loans United States |
| topic_facet | Consumer credit United States Mortgage loans United States USA |
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