This report examines housing-related issues that have become prominent in the 110th Congress. Possibly the most visible issue is the prevalence of subprime loans and growing mortgage default and foreclosure rates. Congress has responded with numerous hearings and legislative proposals both to change the way in which the lending and home-buying industry is regulated and to assist borrowers who are facing default and foreclosure.
This report begins by providing an overview of the current state of housing markets (both homeownership and rental) and the mortgage market in order to provide context for the policy issues that have been active during the 113th Congress. It then provides a brief description of issues that the 113th Congress has been considering. These issues are broadly divided into two categories: issues related to homeownership and housing finance, and issues related to housing assistance for low-income households
This report examines Treasury's debt management practices, focusing on the auction process, how prices and interest rates of securities are determined, and the role of market participants in the process. It also addresses the role of debt plays in influencing present and future budget outcomes.
This report examines Treasury's debt management practices, focusing on the auction process, how prices and interest rates of securities are determined, and the role of market participants in the process. It also addresses the role of debt plays in influencing present and future budget outcomes.
This report focuses on borrower disclosure, particularly with respect to making all pertinent information about loan terms and settlement costs transparent, so that consumers can make well-informed financial decisions when choosing mortgage products.
This report discusses losses and national disaster caused by Hurricane Katrina that made landfall on the Gulf of Mexico coast with high velocity winds, storm surge, heavy rain, flooding, coastal erosion, hail, and tornadoes.
This report discusses the banking collapse in Iceland. Iceland's banking system had collapsed as a result of a culmination of a series of decisions the banks made that left them highly exposed to disruptions in financial markets. The collapse of the banks raised questions for U.S. leaders and others about supervising banks that operate across national borders, especially as it has become increasingly difficult to distinguish the limits of domestic financial markets.
On November 19, 2008, Iceland and the International Monetary Fund (IMF) finalized an agreement on a $6 billion economic stabilization program supported by a $2.1 billion loan from the IMF. Iceland's banking system had collapsed as a culmination of a series of decisions the banks made that left them highly exposed to disruptions in financial markets. The collapse of the banks also raises questions for U.S. leaders and others about supervising banks that operate across national borders, especially as it becomes increasingly difficult to distinguish the limits of domestic financial markets.
Report that provides information about the reforms made by the Board of Governors of the International Monetary Fund (IMF) in December 2010, Congress's role in the reform process, and how the reforms could affect U.S. interests at the IMF.
This report provides information about the reforms made by the Board of Governors of the International Monetary Fund (IMF) in December 2010, Congress's role in the reform process, and how the reforms could affect U.S. interests at the IMF.
This report provides information about the reforms made by the Board of Governors of the International Monetary Fund (IMF) in December 2010, Congress's role in the reform process, and how the reforms could affect U.S. interests at the IMF.
This report opens with a discussion of how to analyze the impact of immigrants on the pay and job opportunities of native-born workers. It then uses this framework to examine and interpret the empirical literature on the subject. The report concludes with a discussion of policy implications.
This report provides a discussions of how to analyze the impact of immigrants on the pay and job opportunities of native-born workers. It then uses this framework to examine and interpret the empirical literature on the subject. The report concludes with a discussion of policy implications.
This report provides brief answers to frequently asked questions about increased campaign contribution limits in the Consolidated and Further Continuing Appropriations Act, 2015 (H.R. 83; P.L. 113-235), enacted and signed into law in December 2014.
This report discusses institutional features that make federal financial regulators (as well as other independent agencies) relatively independent from the President and Congress.
This report discusses institutional features that make federal financial regulators (and other independent agencies) relatively independent from the President and Congress.
This report which provides an overview of the Board, begins with a discussion of the rationale behind the creation of an independent Medicare board and briefly reviews prior proposals for similar boards and commissions.
This report provides background information on IRAs, including a description of current law and the tax benefits of IRAs. In addition, the effects of IRAs on saving and other national objectives is discussed. A final section describes and analyzes recent IRA reform proposals.
Industrial Loan Companies (ILCs), are state-chartered and state-regulated depository institutions whose deposits the Federal Deposit Insurance Corporation (FDIC) may insure. This report addresses the controversy over expansion of ILCs by line of business and by branching across the nation as follows, providing: (1) a historical overview of the U.S. separation of banking and commerce; (2) information on ILCs and their regulation; and (3) identifying and analyzing relevant legislation in Congress.
This report examines the distribution of income in the United States, including factors that may help explain it, how it has changed over time, and how it compares with those of other countries.
This report examines the distribution of income in the United States, including factors that may help explain it, how it has changed over time, and how it compares with those of other countries.
This report is concerned with the rise in housing costs and deals with each of the major categories of expenses in turn: prices or construction costs, financing, and operating and maintenance expenses.
This report first discusses the purposes behind the creation of a separate insolvency regime for depository institutions. The report then compares and contrasts the characteristics of depository institutions with systemically significant financial companies (SSFCs). Next, the report provides a brief analysis of some important differences between the FDIC's conservatorship/receivership authority and that of the Bankruptcy Code.
This report discusses the debate around federal involvement in insurance regulation. In the aftermath of the recent financial crisis, broad financial regulatory reform legislation has been advanced by the Obama Administration and by various Members of Congress.
This report discusses the broad financial regulatory reform legislation has been advanced by the Obama Administration and by various Members of Congress in the aftermath of the recent financial crisis.
This report addresses the interpretation of war risk exclusion clauses under New York contract and insurance law. The purpose of excluding “war risks” from insurance policies is to prevent the insurer from being bankrupted by shouldering countrywide losses from war. The widespread characterization of the events of September 11th as an “act of war” raises the possibility that insurable risks to life and property in the World Trade Center may not receive coverage due to the enforcement of these clauses. This report suggests that any such enforcement might not be successful under New York law, as the insured enjoys favorable state rules of procedure and norms of contract construction.
This report describes generally how state-based insurance guaranty funds operate currently. It also compares the extant insurance system to protections offered bank depositors, potential and current pensioners, and credit union participants.
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