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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. |
条目包含的文件 | 条目无相关文件。 |
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