Fordham Urban Law Journal articles

Recent articles from Fordham Urban Law Journal

The high cost of segregation: exploring racial disparities in high-cost lending.
April 1, 2009... Introduction I. Racial Disparities in Subprime Lending II. Causes of Racial Disparities in Subprime Lending and the Role of Segregation A. Underlying Economic Inequality B. Geographic Differences and Borrower Behavior C. Racial Discrimination, Steering,...

Over-indebtedness, the subprime mortgage crisis, and the effect on U.S. cities.
April 1, 2009... Introduction I. The Increased Availability of Consumer Debt A. Deregulation 1. Housing Purchases: Then 2. Housing Purchases: Now B. Responses to the Unaffordability Problem C. Technology D. U.S. Labor Markets E. Changed Norms...

Bringing it all back home: how to save main street, ignore K Street, and thereby save Wall Street.
April 1, 2009... Introduction I. Where We Are and How We Got Here II. Where We Were and How We Got There III. Bringing It All Back Home Conclusion INTRODUCTION After a number of heady false starts, against the backdrop of threatened financial catastrophe, Congress and the White House...

Private risk, public risk: public policy, market development, and the mortgage crisis.
April 1, 2009... Introduction I. The Development of Risk-Limiting Mortgage Markets in the United States A. The Local Building and Loan B. The 1930s: Federal Leadership in Home Finance C. The Growth of Unstructured, Plain-Vanilla Securitization D. The Rise of Structured,...

Reducing home mortgage foreclosures in a predatory lending environment: a case study of a mid-sized city in Central New York.
April 1, 2009... Introduction I. Predatory Lending: Features and Tactics II. Syracuse Case Study A. Neighborhood Characteristics/Area Examined B. Bank Performance 1. Conventional Mortgage Lending 2. Subprime Mortgage Lending C. Foreclosure Findings D....