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Real Estate Loan Delinquency Rates

Details: Delinquency rates on all loans secured by real estate and commercial banks are released by the Board of Governors of the Federal Reserve. Seasonally adjusted, the measure indicates the percentage of borrowers who have been unable to make timely payments on their loans. This measure is reflective of the overall economy and macroeconomic factors like […]

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Understanding the National Increase in House Prices

Details: Online real estate market Zillow estimates that the average home spent 25 days on the market in 2020, but noted that homes in Columbus, OH, Denver, CO, Raleigh, NC, and Seattle, WA all spend an average of less than 10 days on the market. Supply-Side Shortages. Insufficient Construction of New Homes

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Housing Chartbook Q4 2021

Details: The amount of household real estate equity is the total net worth of household real estate holdings in the United States. As home prices plummeted with the bursting of the housing bubble, home equity plummeted. The loss in equity cannot be regained without economic growth and higher home prices. Household home equity data is released quarterly

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One Year Later: An Updated Look at the Housing …

Details: One year ago, experts at the American Action Forum wrote a paper detailing the state of the housing recovery in Florida. Orlando was also the final stop in a national tour of housing events highlighting the way specific hard-hit markets were recovering from the housing and economic crises. Epitomizing the boom and bust of the housing bubble, prices in Florida …

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One Year Later: An Updated Look at the Housing …

Details: Real estate firm DataQuick reported that foreclosure notices of default fell from 49,026 in the third quarter of 2012 to 20,314 in the third quarter of 2013, a 59 percent decline. Additionally, the supply of distressed homes has fallen from 8.1 months a year ago to 4.1 months in August 2013 according to CoreLogic.

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One Year Later: An Updated Look at Housing Market Data …

Details: Source: Zillow Real Estate Research . Economic Overview and Effect on Housing. Weak job growth, as with other parts of the country, has contributed to a slow housing recovery in Nevada. The state has added a net 14,800 jobs since the end of the recession in June 2009 (See Figure 4). During the recession, Nevada lost 147,200 jobs.

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The Federal Housing Administration: A Primer

Details: The Federal Housing Administration (FHA) is a highly significant but under-scrutinized aspect of the housing finance system. The FHA acts as a countercyclical source of housing finance when traditional financial markets fail and is a key instrument in providing mortgages to the poorest Americans. At the same time, the FHA has loaded the

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Examining Department of Housing and Urban Development’s

Details: The most burdensome HUD paperwork collection (by hours), and the reason for the significant spike in FY 2009, is the Real Estate Settlement Procedure Act (RESPA) disclosures. The law requires “settlement providers to give homebuyers certain disclosure information at and before settlement.” This increased the existing collection by 5.6

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The Economic Value of Work Permits for H-4 Visa Holders

Details: Real Estate and Rental and Leasing: 1.3. Mining, Quarrying, Oil and Gas Extraction: 0.5. Utilities: 0.3. Management of Companies and Enterprises: 0.1. Agriculture, Forestry, Fishing, and Hunting: 0.1. In the following section, the average economic outputs of these industries are used to estimate the overall economic contributions of H-4 workers.

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The Small Business Investment Company Program: A Primer

Details: Most initial SBICs in the 1960s, largely focused on real estate, were commercially unsuccessful and run by individuals without significant investment experience. In the 1970s, however, 300-500 SBICs were in operation, considerably more successfully, and in many ways defined the venture capital industry. Cripplingly high interest rates in the

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The Tax Treatment of Carried Interest

Details: Introduction The previous administration and Candidate Trump, as well as other policymakers have proposed to increase the taxation of “carried interest.” Carried interest is an integral feature of the financial arrangements of partnerships, a management structure broadly utilized in the United States and especially prominent in finance, insurance, and commercial …

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Treasury Proposes Beneficial Ownership Reporting Requirements …

Details: The Department of Treasury’s Financial Crimes Enforcement Network (FinCEN) is meeting its obligations to Congress by proposing a rulemaking that requires companies to report beneficial ownership data to FinCEN for the first time in the history of U.S. federal law. Proponents of the new requirements hope that a registry of beneficial owners

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The Real Inflation Problem

Details: The third (grey) line is monthly rental data on new properties from Redfin, a national real estate brokerage. Clearly the upward inflation pressure emanating specifically from new listings for rental properties is substantial – reaching 14 percent annually in December 2021, a full ten percent higher than at the same time the previous year.

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Testimony on: The State of Housing in America

Details: According to the Joint Center for Housing Studies: “Single-family starts hit 1.1 million in 2021, exceeding the million-unit mark for the first time in 13 years. Multifamily starts were also at a 30-year high of 470,000 units.”. [2] If a record pace of construction is unable to alleviate price pressures, policymakers must be cautious about

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Dodd-Frank at 4: More Regulation, More Regulators, and a …

Details: The Dodd-Frank Act limps into its fifth year of implementation, saddled by an unconstitutional recess appointment, several setbacks in federal courts, and an expensive regulatory portfolio. The Act imposed 398 new regulations that have thus far added more than $21.8 billion in costs and 60.7 million paperwork burden hours. These measures have …

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Low-Income Borrowers and the Auto Loan Market

Details: As one article put it, “the very nature of a real estate loan is very different from an auto loan. Real estate is an investment that typically appreciates over time. During the bubble years, consumers and lenders falsely believed appreciation would bail them out from poor judgment. Vehicles, on the other hand, depreciate.

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The U.S. Isn’t Losing at Trade

Details: To make a profit, those dollars are then invested back into U.S. assets such as real estate, stocks, bonds, and government securities. That inflow of investment creates a surplus in the capital and financial accounts. It would be wrong to talk about the trade deficit without also noting the corresponding investment surplus.

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The Warren Wealth Tax

Details: Specifically, “Ms. Warren’s so-called ultramillionaire tax would levy a 2 percent annual tax on all assets — including stocks, real estate and retirement funds, held either in the United States or abroad — owned by households with a net worth of $50 million or more.

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Independent Contractors and the Emerging Gig Economy

Details: The gig economy is of rising importance in the overall U.S. economy. From 2002 to 2014, workers in the gig economy expanded between 8.8 percent and 14.4 percent. Independent contractors, most notably, helped put 2.1 million people to work, accounting for 28.8 percent of all jobs added from 2010 to 2014. The ride sharing industry alone helped

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The Increased Adoption of Augmented and Virtual Reality and its

Details: The Evolution of AR/VR. In recent years, there has been increased implementation of augmented reality and virtual reality technology in various devices for general use. These technologies have provided an “extension” of reality, by providing sensorial experiences that blur the line between the digital and the physical world.

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CFPB To Rely on Dormant Authority to Expand Reach to Nonbanks …

Details: One might think that this is more than enough to keep the CFPB busy, but on April 26,2022 the CFPB continued an increasingly muscular disposition under Director Rohit Chopra by announcing that it would invoke a “dormant” power granted to it under Dodd-Frank to examine entirely new categories of nonbank companies, with particular focus on

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Wither the Housing Market

Details: The New York Times weighed in over the weekend with an article entitled “Real Estate’s New Normal: Homeowners Staying Put.” The central observation was that “median homeowner tenure rose to about eight and a half years last year, up from about three and a half in 2008.” The desire to stay put translates into fewer houses available for

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Breaking Up Tech Companies Means Breaking Up Teams And The …

Details: The local companies wanted to get into new markets, ranging from real-estate services to providing telecommunication service to NASA, and some wanted to get into cellular services. Yet because the regional companies could not provide a long-distance offering, cellular service remained a local affair for years.

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Should Fannie Mae and Freddie Mac be Designated as …

Details: Indeed, some see real estate lending as the most significant driver – almost the definition – of systemic risk itself. As recent papers by Oscar Jorda, Moritz Schularick, and Alan Taylor for the National Bureau of Economic Research (NBER) have shown, crises can usually be defined as the rising leverage of banks concentrated in real estate

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Eakinomics: 10 Years After (the financial crisis, not the band)

Details: The short version is that real estate risk is systemic risk and we will never cure the large risks in the financial system as long as we treat them as a financial problem. They are not. They are not. They are a policy problem — a policy problem manifested by inappropriate housing subsidies and an unwillingness to expect people to be

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Reauthorizing the National Flood Insurance Program: An Update

Details: The National Flood Insurance Program (NFIP) is $20 billion in debt to American taxpayers. Most of that debt is a result of Hurricanes Harvey, Katrina and Rita and Superstorm Sandy. Hurricane Harvey alone is estimated to have cost $125 billion. The NFIP’s authorization expires at the end of July, and a successful path for reauthorization

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Estimating the Economic Contributions of DACA Recipients

Details: In 2016, over 380,000 employed DACA recipients contributed $41.7 billion to U.S. GDP. The largest economic contributions were made in the manufacturing industry, followed by the finance, insurance, real estate, rental, and leasing industry. DACA recipients also made significant economic contributions in hospitality, construction, and

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Regulatory Agenda Confirms Commitment to Deregulation

Details: President Trump held an event trumpeting the administration’s achievements in its first 11 months. In a nod to his real estate development days, the president cut a ribbon in front of five giant stacks of paper symbolizing the current size of the Code of Federal Regulations. Beyond the symbolism, the new Unified Agenda was notable for two

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Systemic Risk and Regulation: The Misguided Case of Insurance SIFIs

Details: Six life insurers with significant exposure in high yield debt and/or commercial real estate and approximately $40 billion in assets failed in 1991 (before the subsequent development by state-based regulators of risk-based capital requirements). The resolutions of these failures generally involved a variety of transfers or sales of policies to

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U.S. Immigration and Foreign Investors

Details: The United States offers up to 10,000 “EB-5” visas to foreign investors and their families each year to stimulate the U.S. economy through capital investment and job creation. EB-5 immigrants have invested at least $20 billion in the U.S. economy since 2008, with over $5 billion invested in 2017 alone. Projects associated with EB-5

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New York Law Would Wipe Out Half a Billion Dollars of Value for

Details: Every year, New York City provides a summary of the number of residential units in their assessment of taxable real estate. While not perfect, the distinction between Class One and Class Two for taxing purposes gives a broad estimate of the number of units that would be affected by this change, with Class Two units facing the new law.

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Testimony on: Affordability and Accessibility: Addressing the …

Details: Real GDP at the time was below its potential, with the output gap somewhere in the vicinity of $450 billion (in 2012 dollars). The $1.9 trillion stimulus was a bit over $1.6 trillion in 2012 dollars. Thus, the law was a stimulus of over three times the size of the output gap that needed to be closed to get the economy back to potential.

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The Budget Deal, Tax Policy, and Carried Interest

Details: The first impact would be wasteful legal engineering to restructure partnerships in response to the new, higher level of taxation. Significant additional time and capital will be spent by finance, insurance, and real-estate partners so that the overall impact of the new tax on carried interests can be minimized or avoided altogether.

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Privatizing the Liquor Market

Details: It is far past time we got rid of this antiquated system: a private market would give consumers better service, price competition and easier retail access while government could still deter alcohol abuse via taxes and sensible regulation. 1) Avoiding government-induced inefficiency. The experience of states with government-operated liquor

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GE No Longer Poses a Threat to U.S. Financial Stability, per FSOC

Details: Specifically, since its designation, GE divested $272 billion in bank and nonbank assets, sold $14 billion in foreign bank assets as well as $24 billion on nonbank consumer financing businesses, $99 billion of global commercial lending and leasing businesses, and $50 billion of commercial real estate assets. It also significantly changed its

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