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In 2007 and 2008, the United States has observed, with some horror, the explosion and collapse of entire segments of the housing market, especially those driven by subprime and alternative or "exotic" home mortgage lending. Foreclosed explains the rise of high-risk lending and why these newer types of loans-and their associated regulatory infrastructure-failed in substantial ways. Dan Immergluck narrates the boom in subprime and exotic loans, recounting how financial innovations and deregulation facilitated excessive risk-taking, and how these loans have harmed different populations and communities. Immergluck, who has been working, researching, and writing on issues tied to housing finance and neighborhood change for almost twenty years, has an intimate knowledge of the promotion of home ownership and the history of mortgages in the United States. The changes to the mortgage market over the past fifteen years-including the securitization of mortgages and the failure of regulators to maintain control over a much riskier array of mortgage products-led, he finds, inexorably to the current crisis. After describing the development of generally stable and risk-limiting mortgage markets throughout much of the twentieth century, Foreclosed details how federal policy-makers failed to regulate the new high-risk lending markets that arose in the late 1990's and early 2000's. The book also examines federal, state, and local efforts to deal with the mortgage and foreclosure crisis of 2007 and 2008. Immergluck draws upon his wealth of experience to provide an overarching set of principles and a detailed set of policy recommendations for "righting the ship" of U.S. housing finance in ways that will promote affordable yet sustainable home ownership as an option for a broad set of households and communities. The 2011 edition features a new preface by the author addressing the ongoing global economic crisis and the impact of U.S. financial reform efforts on the mortgage system.

BUSINESS & ECONOMICS --- Finance / General --- Mortgage loans --- Subprime mortgage loans --- Foreclosure --- Financial services industry --- Housing --- Financial crises --- Finance --- Business & Economics --- Investment & Speculation --- Government policy --- Deregulation --- Services, Financial --- Service industries --- E-books --- 333.130.0 --- 333.133 --- 333.17 --- 333.733 --- 333.78 --- US / United States of America - USA - Verenigde Staten - Etats Unis --- Private banken: algemeen. Studies over de organisatie en de techniek van de banken --- Hypotheekbanken --- Crises, saneringen en hervormingen van het bankwezen --- Krediet op grond en onroerende goederen --- Kredietcontrole. Credit crunch

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Financial law --- Law of real property --- Belgium --- Banken --- Banques --- Finances --- Geldwezen --- Législation --- Wetgeving --- 347.27 <493> --- 336.77 <493> --- REF --- hypothecaire leningen --- wet --- financiele wetgeving --- belgie --- BE / Belgium - België - Belgique --- 333.133 --- 333.733 --- 333.112.3 --- hypotheekrechten --- krediet, consument --- krediet, hypothecair --- notariaat --- onroerende goederen --- recht, verbintenissen --- 04.07.B --- Hypotheken. Hypotheekrecht--België --- prets hypothecaires --- loi --- droit financier --- belgique --- Hypotheekbanken. --- Krediet op grond en onroerende goederen. --- instellingen voor krediet op onroerende goederen. --- Verzekeringsbedrijf ; Staatstoezicht ; België --- 347.27 <493> Hypotheken. Hypotheekrecht--België --- Hypotheekbanken --- Krediet op grond en onroerende goederen --- instellingen voor krediet op onroerende goederen --- BE / Belgium - België - Belgique --- Hypotheken. Hypotheekrecht--België --- Verzekeringsbedrijf ; Staatstoezicht ; België

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Banken --- Banques --- Communautés européennes --- Europese Gemeenschappen --- Finances --- Geldwezen --- Mortgage loans --- Prêts hypothécaires --- 336.77 --- #ECO:02.05:financiële sector krediet --- #ECO:05.02:landen EU West-Europa --- EEC / European Union - EU -Europese Unie - Union Européenne - UE --- BE / Belgium - België - Belgique --- DE / Germany - Duitsland - Allemagne --- DK / Denmark - Denemarken - Danemark --- ES / Spain - Spanje - Espagne --- FR / France - Frankrijk --- GB / United Kingdom - Verenigd Koninkrijk - Royaume Uni --- GR / Greece - Griekenland - Grèce --- IE / Ireland - Ierland - Irlande --- IT / Italy - Italië - Italie --- LU / Luxembourg - Luxemburg --- NL / Netherlands - Nederland - Pays Bas --- PT / Portugal --- 333.133 --- 333.733 --- 333.112.3 --- 04.07.ZZD --- Financiering. Krediet. Kredietverlening. --- Hypotheekbanken. --- Krediet op grond en onroerende goederen. --- instellingen voor krediet op onroerende goederen. --- Verzekeringsbedrijf ; Staatstoezicht ; Meerdere landen --- 336.77 Financiering. Krediet. Kredietverlening. --- Prêts hypothécaires --- Financiering. Krediet. Kredietverlening --- Hypotheekbanken --- Krediet op grond en onroerende goederen --- instellingen voor krediet op onroerende goederen

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HYPOTHECAIR KREDIET & Algemeen kader wet op het hypothecair krediet wet d.d. 04.08.92 w.04.08.92 toepassingsgebied wet consumentenkrediet wet d.d. 12.06.91 & De verschillende formules en de kosten van het krediet lening kredietopening terugbetaling kapitaal omgekeerd woonkrediet reverse mortgage opeethypotheek kosten en vergoedingen & Kredietpromotie en de totstandkoming van de kredietovereenkomst publiciteit kredietpromotie kredietovereenkomst op afstand bemiddeling informatieplicht en raadgevingsplicht lener bank notaris koppelverkoop gezamenlijk aanbod en aangehechte contracten brandverzekeringschuldsaldoverzekering & Uitvoering - niet-uitvoering van de kredietovereenkomst onrechtmatig beding niet - uitvoering preventie en tussenkomst wederbeleggingsvergoeding & Zekerheden ( zekerheid waarborg garantie ) hoofdelijkheid borgtocht delegatie exceptie (s) kosteloze borgtocht hypotheek loonoverdracht hypotheek voor alle sommen ( onherroepelijk ) hypothecair mandaat mobilisering hypothecaire schuldvordering & Ruimere aspecten Centrale voor Kredieten aan Particulieren Kredietcentrale kredietrapportering in Europa fiscale aspecten ( fiscus ) aspecten van familiaal vermogensrecht huwelijksgoederenrecht schenking onbeslagbaarheid hoofdverblijfplaats zelfstandige collectieve schuldenregeling & Grensoverschrijdende aspecten

Private finance --- Law of real property --- Financial law --- zakenrecht --- hypothecaire kredieten --- Belgium --- Academic collection --- BE / Belgium - België - Belgique --- 333.733 --- 333.133 --- 347.27 --- BPB1011 --- Crédit immobilier --- Prêt --- 347.735 <493> --- credits --- emprunts hypothecaires --- 347.735 <493> Kredieten. Waardepapieren--België --- Kredieten. Waardepapieren--België --- Krediet op grond en onroerende goederen --- Hypotheekbanken --- Hypotheken. Onderpanden. Zakelijke zekerheid. Grondschuld --- Krediet op onroerende goederen --- Lening --- kredieten --- hypothecaire leningen --- Mortgage loans --- Prêts hypothécaires --- Law and legislation --- European Union countries --- Ebooks --- BE / Belgium - België - Belgique --- Crédit immobilier --- Prêt --- Kredieten. Waardepapieren--België --- iasacht --- pôžička --- empréstimo concedido --- zajam --- préstamo --- erogazione di prestito --- udlån --- půjčka --- aizdevums --- selfa --- paskola --- împrumut --- зајам --- posojilo --- laina --- hua --- δανειοδότηση --- заем --- pożyczka --- Darlehen --- loan --- utlåning --- laen --- lening --- kölcsön --- beviljande av lån --- banková pôžička --- банкарска позајмица --- concessão de empréstimo --- bankovní půjčka --- împrumut bancar --- bankkölcsön --- concesión de préstamo --- verstrekking van een lening --- τραπεζικό δάνειο --- Gewährung eines Darlehens --- pankkilaina --- octroi de prêt --- empréstimo bancário --- prêt bancaire --- kölcsönnyújtás --- pozajmica --- banki kölcsön --- pangalaen --- bank loan --- banklån --- χορήγηση δανείου --- concessione di prestito --- hua bankare --- позајмица --- mutuo --- banko paskola --- bevilling af lån --- заем од банка --- bankas aizdevums --- fido bancario --- nekustamā īpašuma aizdevums --- crédito inmobiliario --- nepremičninski kredit --- ingatlanhitel --- kredi për prona të paluajtshme --- nekilnojamojo turto paskola --- Realkredit --- self għal dar --- hypotekárny úver --- hypotekární úvěr --- кредит за некретнине --- credito immobiliare --- krediet op onroerende goederen --- kinnisvaralaen --- кредит за купување недвижности --- кредит за недвижимо имущество --- κτηματική πίστη --- kiinteistöluotto --- credit imobiliar --- realkredit --- crédito imobiliário --- kredit za kupnju nekretnina --- real estate credit --- kredyt mieszkaniowy --- pożyczka mieszkaniowa --- hypoteční půjčka --- pozemkový úver --- hipotekarni kredit --- lån i fast ejendom --- crédito hipotecario --- byggelån --- nekilnojamojo turto kreditas --- jelzáloghitel --- hypotekárna pôžička --- hypotekskredit --- hypoteční úvěr --- έγγειος πίστη --- ehituslaen --- Bodenkredit --- hua hipotekare --- crédito hipotecário --- Immobiliardarlehen --- hipotekārais aizdevums --- statybos paskola --- aizdevums celtniecībai --- empréstimo imobiliário --- hypotekslån --- credito ipotecario --- hipotekarni zajam --- ενυπόθηκη πίστη --- hipotekos paskola --- mutuo costruzione --- mortgage loan --- hypoteekkilaina --- Immobiliarkredit --- empréstimo à construção civil --- zajam za nekretnine --- loan on real estate --- kiinnelaina --- crédito a la construcción --- prêt à la construction --- préstamo hipotecario --- Baudarlehen --- építési hitel --- rakennuslaina --- hipotekārais kredīts --- στεγαστικό δάνειο --- kiinnitysluotto --- realkreditlån --- hua për prona të paluajtshme --- byggnadslån --- станбен кредит --- crédito predial --- préstamo para la construcción --- housing loan --- заем за строителство --- building loan --- pozemkový úvěr --- stavebná pôžička --- prestito immobiliare --- хипотекарни кредит --- credito fondiario --- kredyt na cele mieszkaniowe --- Hypothekardarlehen --- stambeni kredit --- хипотекарен кредит --- заем за закупуване на недвижим имот --- fastighetslån --- posojilo za gradnjo --- posojilo za nepremičnino --- ипотечен кредит --- bouwlening --- hua për ndërtim --- hüpoteeklaen --- Bauspardarlehen --- credit ipotecar --- aizdevums nekustamā īpašuma iegādei --- кредит за грађевинске послове --- Hypothekarkredit --- grondkrediet --- prêt immobilier --- кредит за закупуване на недвижим имот --- hua për strehim --- crédit hypothécaire --- стамбени кредит --- кредит за пословање с некретнинама --- crédit foncier --- kredyt hipoteczny --- stavební úvěr --- stanovanjski kredit --- jelzálogkölcsön --- δάνειο για την αγορά ακινήτου --- úvěr na bydlení --- E-books --- creidmheas urraithe --- Belgique --- Droit civil --- Contrats --- Prêts --- Prêts hypothécaires