HMDA

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Abstract
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 to assist: in determining whether financial institutions are serving the housing needs of their communities; public officials in distributing public-sector investments so as to attract private investment to areas where it is needed; and in identifying possible discriminatory lending patterns.
Research Area
Financial Institutions
Systemic Risk Lab
Financial Intermediation
Keywords
catastrophic events, bank regulation, capital ratios, banking structure, economic development, the community reinvestment act, mortgage supply, house prices, homeownership, natural disasters, bank stability, non-performing assets, bank performance, bank, räumliche verteilung, bankgeschichte, bibliometrie, statistik, usa
JEL Classification
G21, G28, R21, R31, Q54
Working Paper References
Topic
Household Finance
Monetary Policy
Stability and Regulation
Publication Type
Research Data
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Except where otherwise noted, this item's license is described as Attribution-ShareAlike 4.0 International