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Fordham Urban Law Journal articles from April 2009
A bimonthly legal book published by the law school at Fordham University. Each issue focuses on a single topic, and publishes original research, critical pieces, and long-form essays related to that topic.
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Fordham Urban Law Journal archives from April 2009
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...
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
...
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...
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...
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...
Rewriting contracts, wholesale: data on voluntary mortgage modifications from 2007 and 2008 remittance reports.
April 1, 2009...
Introduction
I. Loss Mitigation and Loan Modifications: the Voluntary Approach.
II. Study Method
III. Loan-Level Data on Mortgage Refinancings, Defaults and
Losses During the 2007-08 Crisis
A. Growing Defaults,...
The city and international law: in pursuit of sustainable development.
April 1, 2009... "The battle for sustainable development will almost certainly be decided in cities.... We need cities in good shape, wisely using their resources in an innovative and sustainable way, cities for all, for us today and for future generations."...