Borrowing to live : consumer and mortgage credit revisited / Nicolas P. Retsinas, Eric S. Belsky, editors.

Publisher: Cambridge, Mass. : Washington, D.C. : Joint Center for Housing Studies, Harvard University ; Brookings Institution Press, c2008.

ISBN: 0815774133 (pbk. : alk. paper)
9780815774136 (pbk. : alk. paper)

Description: x, 289 p. : ill. ; 24 cm.

Series: James A. Johnson metro series

Subject: Consumer credit United States.
Mortgage loans United States.

Contents: Introduction : borrowing to live / Nicolas P. Retsinas and Eric S. Belsky -- Consumer and mortgage credit at the crossroads / Eric S. Belsky, Ren S. Essene, and Nicholas P. Retsinas -- Where does it go? Spending by the financially constrained / Shawn Cole, John Thompson, and Peter Tufano -- Financial decisionmaking processes of low-income individuals / Edna R. Sawady and Jennifer Tescher -- The legal infrastructure of subprime and nontraditional home mortgages / Patricia A. McCoy and Elizabeth Renuart -- The impact of state antipredatory lending laws : policy implications and insights / Raphael W. Bostic ...[et. al.] -- Behaviorally informed home mortgage credit regulation / Michael S. Barr, Sendhil Mullainathan, and Eldar Shafir -- Interventions in mortgage default : policies and practices to prevent home loss and lower costs / Amy Crews Cutts and William A. Merrill -- Looking beyond our shores : consumer protection regulation lessons from the United Kingdom / Elaine Kempson.

Summary: "Dissects the current state of consumer and mortgage credit in the United States and helps point the way out of the current impasse"--Provided by publisher.