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A History of Ohio Land Banking 2009–2021: From Legislation to Operation

Center for Community Progress

At the height of the foreclosure crisis post-2008, a group of elected officials, community development practitioners, and lawyers came together to craft a strategy to respond to the hemorrhaging real estate market in Ohio. Everything seemed to work as planned—until 2008.

2009 52
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Managing Emergencies: The Challenges of the Future

Disaster Planning and Emergency Management

Welcome to the 'riskscape' On one day in July 2021 fires devastated large areas of Sardinia, flooding occurred for the second time in two weeks in London and I received a message from research colleagues in Germany that read "the institute was quite destroyed and many colleagues have suffered tremendous damage to their houses."

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CONSTITUTIONAL LAW: History and the Application of the Second Amendment

NLRG (National Legal Research Group)

Constitution, "Keeping and Bearing Arms—A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed. ". This changed in 2008, however, when Justice Antonin Scalia delivered the majority opinion in the 5-4 decision in District of Columbia v.

Laws 40
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Optimizing the US mortgage market with AWS

AWS Public Sector Blog

The UMBS makes up 70 percent of the total MBS market in the US and was established in the wake of the 2008 financial crisis to provide stability, liquidity, and resiliency in the US housing market. CSS delivers an industry-critical function and is regulated by the Federal Housing Finance Agency (FHFA).

2013 66
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Current GSE Guarantee Fees Are Too Low to Be Consistent with Regulatory Capital: Does This Mean a Large Increase Is Coming?

The Stoop (NYU Furman Center)

2 In November of last year, the Federal Housing Finance Agency (FHFA), the regulator and conservator of the two companies, issued its annual report on their G-fees (the G-fee Report), covering calendar year 2021. 3 In that report, the FHFA disclosed that the average G-fee across all products was 0.46 percent to 0.49

2008 52
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The White House’s Focus on Closing Costs: Long Overdue and Worth the Fight (Part 2)

The Stoop (NYU Furman Center)

Unusually, the industry’s regulator, the Appraisal Foundation, was established by the industry itself and then, in 1989, designated by Congress as its regulator. The FHFA, from its founding in 2008 to 2021, was an independent regulator. 15 Credit reports. 4 See Fred Ashton, October 2022, America Action Forum.

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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

For the buyer, closing costs vary significantly by state, reflecting different state regulations and laws. The cost of the lender’s title policy, which is paid by the homebuyer via a single, upfront payment made at the closing, will vary from state to state, reflecting that the states regulate title insurance. 10] See [link]. [11]

Housing 59