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

The Stoop (NYU Furman Center)

Part 1 of this article will address several questions to lay the groundwork for a broader discussion about closing and related transaction costs in Part 2. For the sake of simplicity, this article will mainly focus on lender’s title insurance. Post-2008, with all the reforms enacted via the Dodd-Frank Act (e.g.,

Housing 59
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Social Media for Social Good: What role does social media play in creation of and sustainability of social movements? A Social Movement Case Study Examining Occupy Wall Street and the Tea Party.

Public Policy Blog

2013; Bennett, Breunig, & Givens, 2008). The result is a new set of tasks on the agendas of late modern citizens that enable the creation and continual maintenance of a personally satisfying sense of self—or “personal identity project” (Reynolds, 2008; Giddens, 1991).

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Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

It is important to clearly state that the analysis in this article is based on the economic reality that if a loan does not have an interest rate that is appropriately risk-adjusted for its creditworthiness, then by definition there will be cross-subsidies in operation, even if that is not overtly stated. This claim is simply untrue.