Reducing Foreclosures
Reducing Foreclosures

Author: Christopher Foote

Publisher: DIANE Publishing

Published: 2009

Total Pages: 53

ISBN-13: 1437928773

DOWNLOAD EBOOK

Takes a skeptical look at a leading argument about what is causing the foreclosure crisis and what should be done to stop it. The authors focus on two key decisions: the borrower's choice to default on a mortgage and the lender's subsequent choice whether to renegotiate or modify the loan. Unaffordable loans, defined as those with high mortgage payments relative to income at origination, are unlikely to be the main reason that borrowers decide to default. The efficiency of foreclosure for investors is a more plausible explanation for the low number of modifications to date. Policies designed to reduce foreclosures should focus on ameliorating the effects of job loss rather than modifying loans to make them more affordable on a long-term basis. Illustrations.

White-Collar Crime
White-Collar Crime

Author: Brian K. Payne

Publisher: SAGE Publications

Published: 2011-11-04

Total Pages: 721

ISBN-13: 1483341437

DOWNLOAD EBOOK

White-Collar Crime: A Text/Reader, part of the text/reader series in criminology and criminal justice incorporates contemporary and classic readings (some including policy implications) accompanied by original text that provides a theoretical framework and context for students. The comprehensive coverage of the book includes crimes by workers sales oriented systems, crimes in the health care system, crimes by criminal justice professionals and politicians, crimes in the educational system, crimes in the economic and technological systems, crimes by employees in the housing industry, corporate crime, environmental crime, explanations of white-collar crime, the police and court responses to white-collar crime, and the corrections sub-system and white-collar crime. Features of the book include key points, in focus box inserts, discussion questions, section summaries, and photos.

Crisis and Response
Crisis and Response

Author: Federal Deposit Insurance Corporation

Publisher:

Published: 2018-03-06

Total Pages:

ISBN-13: 9780966180817

DOWNLOAD EBOOK

Crisis and Response: An FDIC History, 2008¿2013 reviews the experience of the FDIC during a period in which the agency was confronted with two interconnected and overlapping crises¿first, the financial crisis in 2008 and 2009, and second, a banking crisis that began in 2008 and continued until 2013. The history examines the FDIC¿s response, contributes to an understanding of what occurred, and shares lessons from the agency¿s experience.

Congressional Record
Congressional Record

Author: United States. Congress

Publisher:

Published: 2009

Total Pages: 804

ISBN-13:

DOWNLOAD EBOOK

The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)

The Financial Crisis Inquiry Report, Authorized Edition
The Financial Crisis Inquiry Report, Authorized Edition

Author: United States. Financial Crisis Inquiry Commission

Publisher: Public Affairs

Published: 2011-01-27

Total Pages: 578

ISBN-13: 1610390415

DOWNLOAD EBOOK

Examines the causes of the financial crisis that began in 2008 and reveals the weaknesses found in financial regulation, excessive borrowing, and breaches in accountability.