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Effects of the Ability to Repay and Qualified Mortgage Rules on the Mortgage Market

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Abstract

In this note, we use recently released loan level data collected under the Home Mortgage Disclosure Act (HMDA) to examine how the new ability-to-repay (ATR) rules may have affected mortgage lending activity in 2014.

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  • Neil Bhutta & Daniel R. Ringo, 2015. "Effects of the Ability to Repay and Qualified Mortgage Rules on the Mortgage Market," FEDS Notes 2015-12-29, Board of Governors of the Federal Reserve System (U.S.).
    • Handle: RePEc:fip:fedgfn:2015-12-29
    DOI: 10.17016/2380-7172.1680
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    File URL: https://www.federalreserve.gov/econresdata/notes/feds-notes/2015/effects-of-the-ability-to-repay-and-qualified-mortgage-rules-on-the-mortgage-market-20151229.html
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    Cited by:

    1. Sjoerd Van Bekkum & Marc Gabarro & Rustom M. Irani & José-Luis Peydró, 2019. "Take It to the limit? The effects of household leverage caps," Economics Working Papers 1682, Department of Economics and Business, Universitat Pompeu Fabra, revised Feb 2022.
    2. 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.).

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