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Regulating Household Leverage

Citations

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Cited by:

  1. Caloia, Francesco G., 2024. "Borrower-based measures, house prices and household debt," Journal of International Money and Finance, Elsevier, vol. 143(C).
  2. Andre Teixeira & Zoe Venter, 2022. "Macroprudential Policy and Aggregate Demand," Working Papers 2022.04, International Network for Economic Research - INFER.
  3. Michael Bailey & Eduardo Dávila & Theresa Kuchler & Johannes Stroebel, 2019. "House Price Beliefs And Mortgage Leverage Choice," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 86(6), pages 2403-2452.
  4. Cristian Badarinza, 2019. "Mortgage Debt and Social Externalities," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, vol. 34, pages 43-60, October.
  5. Nicholas Garvin & Alex Kearney & Corrine Rosé, 2021. "Macroprudential Limits on Mortgage Products: The Australian Experience," RBA Research Discussion Papers rdp2021-07, Reserve Bank of Australia.
  6. Andreas Fuster & Aurel Hizmo & Lauren Lambie-Hanson & James Vickery & Paul S. Willen, 2021. "How Resilient Is Mortgage Credit Supply? Evidence from the COVID-19 Pandemic," Working Papers 21-4, Federal Reserve Bank of Boston.
  7. Andreas Fuster & Matthew Plosser & James Vickery, 2018. "Does CFPB Oversight Crimp Credit?," Staff Reports 857, Federal Reserve Bank of New York.
  8. Karapetyan, A. & Kværner, Jens & Rohrer, Maximilian, 2024. "Inefficient regulation: Mortgages versus total credit," Other publications TiSEM f1611bef-5be9-46fc-8a3e-1, Tilburg University, School of Economics and Management.
  9. Altavilla, Carlo & Laeven, Luc & Peydró, José-Luis, 2020. "Monetary and Macroprudential Policy Complementarities: evidence from European credit registers," CEPR Discussion Papers 15539, Centre for Economic Policy Research.
  10. Saha, Asish & Rooj, Debasis & Sengupta, Reshmi, 2023. "Macroprudential Policy and mortgage leverage decisions—Evidence from micro data," Economic Analysis and Policy, Elsevier, vol. 80(C), pages 1430-1444.
  11. Sedunov, John, 2020. "Small banks and consumer satisfaction," Journal of Corporate Finance, Elsevier, vol. 60(C).
  12. Calani, Mauricio & Paillacar, Manuel, 2022. "The pass-through of loan-loss-provisioning on mortgage lending: Evidence from a regulatory change," Journal of Banking & Finance, Elsevier, vol. 135(C).
  13. Guttman-Kenney, Benedict & Firth, Chris & Gathergood, John, 2023. "Buy now, pay later (BNPL) ...on your credit card," Journal of Behavioral and Experimental Finance, Elsevier, vol. 37(C).
  14. Jason Allen & Kyra Carmichael & Robert Clark & Shaoteng Li & Nicolas Vincent, 2024. "Housing Affordability and Parental Income Support," Staff Working Papers 24-28, Bank of Canada.
  15. Neil Bhutta & Andreas Fuster & Aurel Hizmo, 2020. "Paying Too Much? Price Dispersion in the U.S. Mortgage Market," Finance and Economics Discussion Series 2020-062, Board of Governors of the Federal Reserve System (U.S.).
  16. Lu Han & Chandler Lutz & Benjamin Sand & Derek Stacey, 2018. "Do Financial Constraints Cool a Housing Boom?," Working Papers 073, Toronto Metropolitan University, Department of Economics.
  17. Marsha J. Courchane & Stephen L. Ross, 2019. "Evidence and Actions on Mortgage Market Disparities: Research, Fair Lending Enforcement, and Consumer Protection," Housing Policy Debate, Taylor & Francis Journals, vol. 29(5), pages 769-794, September.
  18. Jelisaveta Lazarevic & Tanja Kuzman & Milan Nedeljkovic, 2022. "Credit cycles and macroprudential policies in emerging market economies," Oeconomia Copernicana, Institute of Economic Research, vol. 13(3), pages 633-666, September.
  19. Teixeira, André, 2022. "The real effects of macroprudential policy: Evidence from micro data," Journal of Policy Modeling, Elsevier, vol. 44(6), pages 1165-1178.
  20. Eerola, Essi & Lyytikäinen, Teemu & Ramboer, Sander, 2022. "The impact of mortgage regulation on homeownership and household leverage: Evidence from Finland's LTV reform," Working Papers 148, VATT Institute for Economic Research.
  21. Stephen D. Oliner & Tobias Peter & Lynn M. Fisher & Mike Fratantoni, 2019. "Jumbo rates are below conforming rates: When did this happen and why?," AEI Economics Working Papers 1025444, American Enterprise Institute.
  22. Viral V. Acharya & Katharina Bergant & Matteo Crosignani & Tim Eisert & Fergal Mccann, 2022. "The Anatomy of the Transmission of Macroprudential Policies," Journal of Finance, American Finance Association, vol. 77(5), pages 2533-2575, October.
  23. Piskorski, Tomasz & Seru, Amit, 2021. "Debt relief and slow recovery: A decade after Lehman," Journal of Financial Economics, Elsevier, vol. 141(3), pages 1036-1059.
  24. Tomasz Piskorski & Amit Seru, 2018. "Mortgage Market Design: Lessons from the Great Recession," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 49(1 (Spring), pages 429-513.
  25. Jiang, Erica Xuewei & Zhang, Anthony Lee, 2025. "Collateral value uncertainty and mortgage credit provision," Journal of Financial Economics, Elsevier, vol. 169(C).
  26. Knut Are Aastveit & Ragnar Enger Juelsrud & Ella Getz Wold, 2023. "The leverage-liquidity trade-of mortgage regulation," Working Papers 04/2023, Centre for Household Finance and Macroeconomic Research (HOFIMAR), BI Norwegian Business School.
  27. Knut Are Aastveit & Ragnar Enger Juelsrud & Ella Getz Wold, 2021. "The household effects of mortgage regulation," Working Papers No 07/2021, Centre for Applied Macro- and Petroleum economics (CAMP), BI Norwegian Business School.
  28. Andreas Fuster & Matthew Plosser & Philipp Schnabl & James Vickery, 2019. "The Role of Technology in Mortgage Lending," The Review of Financial Studies, Society for Financial Studies, vol. 32(5), pages 1854-1899.
  29. Matteo Benetton & Philippe Bracke & João F Cocco & Nicola Garbarinoifo, 2022. "Housing Consumption and Investment: Evidence from Shared Equity Mortgages," The Review of Financial Studies, Society for Financial Studies, vol. 35(8), pages 3525-3573.
  30. Mikhed, Vyacheslav & Raina, Sahil & Scholnick, Barry & Zhang, Man, 2024. "Debtor income manipulation in consumer credit contracts," Journal of Financial Economics, Elsevier, vol. 157(C).
  31. Moaz Elsayed & Valère Fourel & Matthieu Segol, 2026. "The Macroeconomic Effects of Regulating Household Leverage: A Mesoeconometric Approach," Working papers 1051, Banque de France.
  32. Barasinska, Nataliya & Ludwig, Johannes & Vogel, Edgar, 2021. "The impact of borrower-based instruments on household vulnerability in Germany," Discussion Papers 20/2021, Deutsche Bundesbank.
  33. Arpit Gupta & Christopher Hansman, 2022. "Selection, Leverage, and Default in the Mortgage Market," The Review of Financial Studies, Society for Financial Studies, vol. 35(2), pages 720-770.
  34. Van Bekkum, Sjoerd & Gabarró, Marc & Irani, Rustom & Peydró, José-Luis, 2019. "Take It to the Limit? The Effects of Household Leverage Caps," EconStor Preprints 216797, ZBW - Leibniz Information Centre for Economics.
  35. Goodman, Sarena & Isen, Adam & Yannelis, Constantine, 2021. "A day late and a dollar short: Liquidity and household formation among student borrowers," Journal of Financial Economics, Elsevier, vol. 142(3), pages 1301-1323.
  36. Robinson, Mark & Silos, Pedro & Vilán, Diego, 2026. "Household debt, the labor share, and earnings inequality," Journal of Economic Dynamics and Control, Elsevier, vol. 189(C).
  37. Reher, Michael, 2021. "Finance and the supply of housing quality," Journal of Financial Economics, Elsevier, vol. 142(1), pages 357-376.
  38. Heilbron, John, 2021. "Credit Constraints and Bias in Hedonic Amenity Valuations," MPRA Paper 125713, University Library of Munich, Germany.
  39. van Bekkum, Sjoerd & Gabarro, Marc & Irani, Rustom M. & Peydró, José-Luis, 2024. "The real effects of borrower-based macroprudential policy: Evidence from administrative household-level data," Journal of Monetary Economics, Elsevier, vol. 147(S).
  40. Francisco Gomes & Michael Haliassos & Tarun Ramadorai, 2021. "Household Finance," Journal of Economic Literature, American Economic Association, vol. 59(3), pages 919-1000, September.
  41. Mircea Epure & Irina Mihai & Camelia Minoiu & José-Luis Peydró, 2024. "Global Financial Cycle, Household Credit, and Macroprudential Policies," Management Science, INFORMS, vol. 70(11), pages 8096-8115, November.
  42. Allen, Jason & Carmichael, Kyra & Clark, Robert & Li, Shaoteng & Vincent, Nicolas, 2026. "Housing affordability and parental income support: The role of mortgage co-signing," Journal of Financial Economics, Elsevier, vol. 178(C).
  43. Bosshardt, Joshua & Kakhbod, Ali & Kermani, Amir, 2025. "Do intermediaries improve GSE lending? Evidence from proprietary GSE data," Journal of Financial Economics, Elsevier, vol. 170(C).
  44. Abreu, Daniel & Félix, Sónia & Oliveira, Vitor & Silva, Fátima, 2024. "The impact of a macroprudential borrower-based measure on households’ leverage and housing choices," Journal of Housing Economics, Elsevier, vol. 64(C).
  45. Matteo Benetton, 2021. "Leverage Regulation and Market Structure: A Structural Model of the U.K. Mortgage Market," Journal of Finance, American Finance Association, vol. 76(6), pages 2997-3053, December.
  46. Lara Coulier & Selien De Schryder & Milan van den Heuvel & Tobias Verlaeckt, 2026. "Pushing the Limit: How Borrowers Tackle an LTV Cap," Working Papers of Faculty of Economics and Business Administration, Ghent University, Belgium 26/1138, Ghent University, Faculty of Economics and Business Administration.
  47. Bosshardt, Joshua & Di Maggio, Marco & Kakhbod, Ali & Kermani, Amir, 2024. "The credit supply channel of monetary policy tightening and its distributional impacts," Journal of Financial Economics, Elsevier, vol. 160(C).
  48. Morris A Davis & William D Larson & Stephen D Oliner & Benjamin R Smith, 2023. "A Quarter Century of Mortgage Risk," Review of Finance, European Finance Association, vol. 27(2), pages 581-618.
  49. Mark Garmaise & Yaron Levi & Hanno Lustig, 2020. "Spending Less After (Seemingly) Bad News," NBER Working Papers 27010, National Bureau of Economic Research, Inc.
  50. Jason Allen & Michael Boutros & Benedict Guttman-Kenney, 2024. "Credit Card Minimum Payment Restrictions," Staff Working Papers 24-26, Bank of Canada.
  51. Slava Mikhed & Sahil Raina & Barry Scholnick & Man Zhang, 2022. "Debtor Fraud in Consumer Debt Renegotiation," Working Papers 22-35, Federal Reserve Bank of Philadelphia.
  52. Looney, Adam & Yannelis, Constantine, 2022. "The consequences of student loan credit expansions: Evidence from three decades of default cycles," Journal of Financial Economics, Elsevier, vol. 143(2), pages 771-793.
  53. Gillitzer, Christian & Prasad, Nalini, 2025. "The effects of macroprudential policy restricting housing investor credit supply," Journal of Urban Economics, Elsevier, vol. 149(C).
  54. McCann, Fergal & Durante, Elena, 2022. "The effects of a macroprudential loosening: the importance of borrowers’ choices," Research Technical Papers 9/RT/22, Central Bank of Ireland.
  55. Ma, Chao, 2020. "Per-customer quantity limit and price discrimination: Evidence from the U.S. residential mortgage market," International Journal of Industrial Organization, Elsevier, vol. 70(C).
  56. Bhutta, Neil & Ringo, Daniel, 2021. "The effect of interest rates on home buying: Evidence from a shock to mortgage insurance premiums," Journal of Monetary Economics, Elsevier, vol. 118(C), pages 195-211.
  57. Liang, Lantian & Zhang, Harold H. & Zhao, Feng & Zhao, Xiaofei, 2025. "Disclosure mandate, trust, and asset securitization," Journal of Financial Intermediation, Elsevier, vol. 63(C).
  58. Evangelia Avgeri & Maria Psillaki & Evanthia Zervoudi, 2023. "Peer-to-Peer Lending as a Determinant of Federal Housing Administration-Insured Mortgages to Meet Sustainable Development Goals," Sustainability, MDPI, vol. 15(18), pages 1-30, September.
  59. Craig Furfine, 2020. "The Impact of Risk Retention Regulation on the Underwriting of Securitized Mortgages," Journal of Financial Services Research, Springer;Western Finance Association, vol. 58(2), pages 91-114, December.
  60. D Dulani Jayasuriya & Mohamed Ayaz & Michael Williams, 2023. "The use of digital footprints in the US mortgage market," Accounting and Finance, Accounting and Finance Association of Australia and New Zealand, vol. 63(1), pages 353-401, March.
  61. James N. Conklin & Haoyang Liu & Calvin Zhang, 2024. "Credit supply shocks, home purchase volume, and borrowing behavior," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 52(2), pages 486-513, March.
  62. Teixeira, André, 2023. "Does macroprudential policy affect wealth inequality? Evidence from synthetic controls," Journal of Financial Stability, Elsevier, vol. 67(C).
  63. repec:bin:bpeajo:v:49:y:2019:i:2018-01:p:429-513 is not listed on IDEAS
  64. Neil Bhutta & Daniel R. Ringo, 2017. "The Effect of Interest Rates on Home Buying : Evidence from a Discontinuity in Mortgage Insurance Premiums," Finance and Economics Discussion Series 2017-086, Board of Governors of the Federal Reserve System (U.S.).
  65. Koetter, Michael & Noth, Felix & Wöbbeking, Carl Fabian, 2025. "Contractionary macroprudential policy, collateral valuation, and risk-shifting in EU banking," IWH Discussion Papers 4/2025, Halle Institute for Economic Research (IWH), revised 2025.
  66. Robert Clark & Shaoteng Li, 2022. "The Strategic Response of Banks to Macroprudential Policies: Evidence from Mortgage Stress Tests in Canada [LIBOR manipulation?]," Review of Finance, European Finance Association, vol. 26(1), pages 187-216.
  67. Frame, W. Scott & Gerardi, Kristopher & Mayer, Erik J. & Xu, Billy Y. & Zhao, Lawrence Chengzhi, 2026. "Government litigation risk and the decline in low-income mortgage lending," Journal of Financial Economics, Elsevier, vol. 181(C).
  68. Jason Allen & Daniel Greenwald, 2018. "Managing a Housing Boom," 2018 Meeting Papers 1310, Society for Economic Dynamics.
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