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2. Government policies and the subprime mortgage crisis

   en.wikipedia.org/wiki/Government_policies_and...

   Deregulation, excess regulation, and failed regulation by the federal government have all been blamed for the subprime mortgage crisis in the United States. [7] Conservatives have claimed that the financial crisis was caused by too much regulation aimed at increasing home ownership rates for lower income people. [8]

3. Mortgage loan originators: What are they and what do ... - AOL

   www.aol.com/finance/mortgage-loan-originators...

   A mortgage loan officer isn’t always the same as a mortgage banker (though they work for one). The officer won’t make the decision to approve or deny you a loan; they just process it and ...

4. Provisions of the Dodd–Frank Wall Street Reform and Consumer ...

   en.wikipedia.org/wiki/Provisions_of_the_Dodd...

   A "High-Cost Mortgage" as well as a reverse mortgage are sometimes referred to as "certain home mortgage transactions" in the Fed's Regulation Z (the regulation used to implement various sections of the Truth in Lending Act) High-Cost Mortgage is redefined as a "consumer credit transaction that is secured by the consumer's principal dwelling ...

5. Regulatory responses to the subprime crisis - Wikipedia

   en.wikipedia.org/wiki/Regulatory_responses_to...

   Regulations or guidelines can also influence the nature, transparency and regulatory reporting required for the complex legal entities and securities involved in these transactions. Congress also is conducting hearings to help identify solutions and apply pressure to the various parties involved.

6. Home Mortgage Disclosure Act - Wikipedia

   en.wikipedia.org/wiki/Home_Mortgage_Disclosure_Act

   Home Mortgage Disclosure Act; Long title: An Act to extend the authority for the flexible regulation of interest rates on deposits and share accounts in depository institutions, to extend the National Commission on Electronic Fund Transfers, and to provide for home mortgage disclosure. Enacted by: the 94th United States Congress: Effective ...

7. Mortgage Rates May Rise in 2022, Should You Buy Now or ... - AOL

   www.aol.com/finance/mortgage-rates-may-rise-2022...

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8. 270,000 homebuyers who bought in 2022 are underwater on their ...

   www.aol.com/finance/270-000-homebuyers-bought...

   That's about 1 in 12 homes purchased in 2022 with a mortgage, or 8%. Nearly 40% of homes bought this year have less than 10% of equity left to tap.

9. Bank regulation in the United States - Wikipedia

   en.wikipedia.org/wiki/Bank_regulation_in_the...

   The Home Mortgage Disclosure Act (HMDA) of 1975, implemented by Regulation C, requires financial institutions to maintain and annually disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications involving one- to four-unit and multifamily dwellings. It also requires branches and loan centers to ...