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How Do Banks React to Catastrophic Events? Evidence from Hurricane Katrina
(2017-09-01)
This paper explores how banks react to an exogenous shock caused by Hurricane Katrina in 2005, and how the structure of the banking system affects economic development following the shock. Independent banks based in the ...
Mortgage Supply and the US Housing Boom: The Role of the Community Reinvestment Act
(2019-10-30)
This paper studies the role of the Community Reinvestment Act (CRA) in the US housing boom-bust cycle. I find that the enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated ...
Mortgage Supply and the US Housing Boom: The Role of the Community Reinvestment Act
(2016-10-30)
This paper studies the role of the Community Reinvestment Act (CRA) in the US housing boom-bust cycle. I find that the enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated ...
HMDA
Background & Purpose The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. This regulation provides the public loan data that can be used ...
FEMA
The Federal Emergency Management Agency (FEMA) leverages a tremendous capacity to coordinate within the federal government to make sure America is equipped to prepare for and respond to disasters.
FHFA
The Federal Housing Finance Agency (FHFA) was established by the Housing and Economic Recovery Act of 2008 (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of Fannie Mae, ...
Destatis
The Federal Statistical Office is the institution to contact first for official data on the society, the economy, the environment and the state. We provide objective statistics that have been compiled in a neutral and ...
SBA
Created in 1953, the U.S. Small Business Administration (SBA) continues to help small business owners and entrepreneurs pursue the American dream. The SBA is the only cabinet-level federal agency fully dedicated to small ...
US Census
The Census Bureau's mission is to serve as the nation’s leading provider of quality data about its people and economy. Our goal is to provide the best mix of timeliness, relevancy, quality and cost for the data we collect ...