Download or read book A Reexamination of the Problem of State Usury Ceilings written by James E. McNulty and published by . This book was released on 1979 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper reviews the research on the impact of state usury ceilings. Existing econometric studies (with some exceptions) rely primarily on cross-sectional analysis, and in addition they appear to suggest that usury ceilings are restrictive only when the ceiling is below average market rates. However, other evidence of a fairly wide distribution of rates within urban mortgage markets suggests that, as interest rates are rising, a given ceiling would begin to be restrictive even before the average rate prevailing in the market reaches the ceiling rate. This hypothesis was upheld in tests using data for savings and loan associations in Georgia. Because there were approximately 17 states with 10 percent usury ceilings in mid-1978, when average market rates were in the 9 1/2% - 9 3/4% range, the restrictiveness of usury ceilings may be significantly greater than is generally considered to be the case. Furthermore, the evidence developed here suggests that the movement toward floating usury ceilings in many states in recent years may not be a welcome development, since such ceilings would tend to discourage higher risk loans, even when the general availability of mortgage credit is good.
Download or read book State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1979 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Interest Rate Amendments Regarding State Usury Ceilings on Certain Loans and Applicability of State Usury Ceilings to Certain Obligations Issued by Banks and Affiliates written by and published by . This book was released on 1979 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Legislative History of the Interest Rate Amendments Regarding State Usury Ceilings on Certain Loans and Applicability of State Usury Ceilings to Certain Obligations Issued by Banks and Affiliates P L written by and published by . This book was released on 1979 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book State Usury Ceilings and Their Impact on Small Businesses written by United States. Congress. House. Committee on Small Business. Subcommittee on General Oversight and Minority Enterprise and published by . This book was released on 1980 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Preemption of State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1982 with total page 764 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Preemption of State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1982 with total page 532 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book State Usury Ceilings and Their Impact on Small Businesses written by United States. Congress. House. Committee on Small Business. Subcommittee on General Oversight and Minority Enterprise and published by . This book was released on 1980 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1979 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Reexamination of the Problem of State Usury Ceilings written by James E. McNulty and published by . This book was released on 1979 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book An Economic Analysis and Brief Legislative Overview of Usury Ceilings written by William Anderson and published by . This book was released on 1981 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This report gives an economic analysis of usury ceilings, laws which set the maximum legal rate of interest to be charged on particular types of loans. It provides a brief overview of recent Federal l e g i s l a t i o n dealing with usury, with special emphasis on the Federal authorities mandated by P.L. 96-221, and the effectiveness of Federal preemption of State usury laws.
Download or read book Floating State Usury Ceilings Tied to Long term U S Government Bond Rates written by Robert Grundstad and published by . This book was released on 1980 with total page 13 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Preemption of State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1981 with total page 521 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Preemption of State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1982 with total page 521 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of New York s Usury Ceiling on Local Mortgage Lending Activity written by Ernest Kohn and published by . This book was released on 1976 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book To Authorize a National Usury Ceiling written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Domestic Monetary Policy and published by . This book was released on 1982 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book State Usury Ceilings written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1979 with total page 269 pages. Available in PDF, EPUB and Kindle. Book excerpt:
