全球智库信息集成服务系统(G2TT): Analysis of the BCFP’s (CFPB’s) temporary Qualified Mortgage category announced in January 2013, commonly known as the “Patch”

G2TT

来源类型	Article
规范类型	评论
	Analysis of the BCFP’s (CFPB’s) temporary Qualified Mortgage category announced in January 2013, commonly known as the “Patch”
	Lynn M. Fisher; Norbert Michel; Tobias Peter; Edward J. Pinto
发表日期	2019-03-01
出版年	2019
语种	英语
摘要	Conclusion 1: The patch has led to the needless and risky proliferation of high DTI loans by the FHA, the VA, and the GSEs. Conclusion 2: The patch enables risk layering. Conclusion 3: The patch puts minority borrowers at greater risk. Conclusion 4: The patch enables even greater risk layering for buyers with incomes below the median census tract family income. Conclusion 5: the patch has helped fuel a house price boom. Conclusion 6: The patch did not achieve what the Bureau intended. Recommendations for Action Read the PDF
主题	Economics ; Housing Center ; Housing Finance
标签	Consumer Financial Protection Bureau (CFPB) ; Department of Housing and Urban Development (HUD) ; GSEs (Fannie Mae and Freddie Mac) ; Housing Center: Policy
URL	https://www.aei.org/articles/analysis-of-the-bcfps-cfpbs-temporary-qualified-mortgage-category-announced-in-january-2013-commonly-known-as-the-patch/
来源智库	American Enterprise Institute (United States)
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/265481
推荐引用方式 GB/T 7714	Lynn M. Fisher,Norbert Michel,Tobias Peter,等. Analysis of the BCFP’s (CFPB’s) temporary Qualified Mortgage category announced in January 2013, commonly known as the “Patch”. 2019.