Regulation in Housing Finance
Workshop held May 19, 2000
Papers Presented
Session I: RESPA
Moderator
Stanley D. Longhofer, Wichita State University
Economic Functions of Referrals and Referral Fees
Peter F. Colwell and Charles M. Kahn
The Value of the Sunshine Cure: Efficacy of the RESPA Disclosure Strategy
Mark D. Shroder
Discussants
John C. Weicher, Hudson Institute
David C. Fynn, National City Bank
Session II: Secondary and Primary Mortgage Market Interactions
Moderator
James R. Webb, Cleveland State University
Credit Scoring and Mortgage Scrutinization as a Strategic Game: Whither the Liquidity Premium?
Andrea Heuson, S. Wayne Passmore, and Roger Sparks
A New Spin on the Jumbo/Conforming Loan Rate Differential
Brent W. Ambrose, Richard Buttimer, and Thomas Thibodeau
Discussants
Robert Van Order, Federal Home Loan Mortgage Corporation
David Pearl, Office of Federal Housing Enterprise Oversight
Session III: Credit Market Access and the Effects of CRA
Moderator
Mark S. Sniderman, Federal Reserve Bank of Cleveland
Disparities in Mortgage Lending, Bank Performance, Economic Influence, and Regulatory Oversight
Keith D. Harvey, M. Cary Collins, Peter J. Nigro, and Breck Robinson
Have the Doors Opened Wider? Trends in Homeownership Rates by Race and Income
Raphael W. Bostic and Brian J. Surette
Automated Underwriting, Consumer Regulation, and the Access to Mortgage Credit
Amy Crews Cutts, Peter E. Mahoney, and Peter M. Zorn
Discussants
Patricia E. Beeson, University of Pittsburgh
Amy S. Bogdon, Fannie Mae Foundation
Michael LaCour-Little, Citicorp Mortgage, Inc.
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