Download or read book The Impact of Usury Ceilings on Residential Real Estate Development in Ohio written by Douglas V. Austin and published by . This book was released on 1976 with total page 55 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Quantitative Analysis of the Impact of Usury Ceilings in Ohio Upon Residential Real Estate Development written by Douglas V. Austin and published by . This book was released on 1975 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Economic Review written by and published by . This book was released on 1979 with total page 140 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 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 The Effects of Usury Ceiling on Mortgage Markets written by Robert I. Weinstein and published by . This book was released on 1984 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of New York s Usury Ceiling on Mortgage Lending and Housing written by Citibank (New York, N.Y.) and published by . This book was released on 1976 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Atlantic Economic Journal written by and published by . This book was released on 1980 with total page 888 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book An Analysis of the Impact of Usury Ceilings on Conventional Mortgage Loans written by Michael Tansey and published by . This book was released on 1981 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Legislatures institute usury ceilings for a variety of reasons. The ceilings are designed to (1) curb excessive profits, (2) lower interest rates and inflation, (3) stimulate housing and growth, (4) subsidize certain consumer groups, and (5) protect the unwary and uninformed. However, in each case, the usury ceilings set up perverse effects which may defeat these goals. Particularly since the legislatures do not provide for administrative remedies, rationing, or adjustable ceilings, they cannot control these effects. Any reinstitution of ceilings must avoid these problems if the goals of the program are not to be defeated. However, the most effective policy would be to avoid the usury ceilings altogether.

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 National Union Catalog written by and published by . This book was released on 1981 with total page 1032 pages. Available in PDF, EPUB and Kindle. Book excerpt: Includes entries for maps and atlases.

Download or read book Minnesota Law Review written by and published by . This book was released on 2008-04 with total page 1136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book In Defense of Housing written by Peter Marcuse and published by Verso Books. This book was released on 2024-08-27 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: In every major city in the world there is a housing crisis. How did this happen and what can we do about it? Everyone needs and deserves housing. But today our homes are being transformed into commodities, making the inequalities of the city ever more acute. Profit has become more important than social need. The poor are forced to pay more for worse housing. Communities are faced with the violence of displacement and gentrification. And the benefits of decent housing are only available for those who can afford it. In Defense of Housing is the definitive statement on this crisis from leading urban planner Peter Marcuse and sociologist David Madden. They look at the causes and consequences of the housing problem and detail the need for progressive alternatives. The housing crisis cannot be solved by minor policy shifts, they argue. Rather, the housing crisis has deep political and economic roots—and therefore requires a radical response.

Download or read book 1973 Housing and Urban Development Legislation written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing and Urban Affairs and published by . This book was released on 1973 with total page 1378 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Finance Literature Index written by and published by . This book was released on 1994 with total page 622 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book 1973 Housing and Urban Development Legislation Hearings Before the Subcommittee on Housing and Urban Affairs of 93 1 written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1973 with total page 1394 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Bibliography of Publications of University Bureaus of Business and Economic Research written by and published by . This book was released on 1977 with total page 282 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Loan Sharks written by Charles R. Geisst and published by Brookings Institution Press. This book was released on 2017-04-04 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: Predatory lending: A problem rooted in the past that continues today. Looking for an investment return that could exceed 500 percent annually; maybe even twice that much? Private, unregulated lending to high-risk borrowers is the answer, or at least it was in the United States for much of the period from the Civil War to the onset of the early decades of the twentieth century. Newspapers called the practice “loan sharking” because lenders employed the same ruthlessness as the great predators in the ocean. Slowly state and federal governments adopted laws and regulations curtailing the practice, but organized crime continued to operate much of the business. In the end, lending to high-margin investors contributed directly to the Wall Street crash of 1929. Loan Sharks is the first history of predatory lending in the United States. It traces the origins of modern consumer lending to such older practices as salary buying and hidden interest charges. Yet, as Geisst shows, no-holds barred loan sharking is not a thing of the past. Many current lending practices employed today by credit card companies, payday lenders, and providers of consumer loans would have been easily recognizable at the end of the nineteenth century. Geisst demonstrates the still prevalent custom of lenders charging high interest rates, especially to risky borrowers, despite attempts to control the practice by individual states. Usury and loan sharking have not disappeared a century and a half after the predatory practices first raised public concern.