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"Complex mortgage features, such as payment options, negative amortization resets, and underwriting loans only at the initial 'teaser' rates, as well as the complexity of many disclosure documents provided an opportunity for unscrupulous operators to take advantage of borrowers."
Source: Michael H. Krimminger, Special Advisor For Policy, Office Of The Chairman; FDIC
Project Reports
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The Cost of the Financial Crisis: The Impact of the September 2008 Economic Collapse
Phillip SwagelApr 28, 2010
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Wind-Down Plans as an Alternative to Bailouts
Richard J. HerringMar 08, 2010
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Principles of Financial Reform: A Bipartisan Policy Statement
Financial Reform Task ForceDec 02, 2009
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Policy Issues Concerning the Reform of the Credit Rating Agencies
Richard J. HerringNov 19, 2009
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Lombard Street: Volume 1, Issue 16
Charles Taylor and Gordon McDonaldNov 16, 2009
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Systemic Risk in the Financial System: Insights from Network Science
Ross A. HammondOct 21, 2009
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The Case for an Orderly Resolution Regime for Systemically-Important Financial Institutions
H. Rodgin Cohen and Morris GoldsteinOct 21, 2009
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Managing Systemic Risks
Charles TaylorOct 06, 2009
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Reassessing the Regulatory Role of the Fed: Grappling with the Dual Mandate and More?
Charles CalomirisOct 06, 2009
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Banking Crises Yesterday and Today
Charles CalomirisSep 29, 2009
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Consumer financial protection: advantages, dangers and should it be a new agency?
Martin BailySep 29, 2009
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Quantifying the Effects on Lending of Increased Capital Requirements
Douglas J. ElliottSep 24, 2009
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What does international experience tell us about regulatory consolidation?
Adriane Fresh and Martin Neil BailySep 21, 2009
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A G-20 Primer
Michael CrowleySep 18, 2009
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Comparing the Paulson Blueprint with the Geithner White Paper
Gordon McDonaldSep 10, 2009
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How Should We Regulate Derivatives Markets?
Darrell DuffieAug 25, 2009
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The Argument Against a Government Resolution Authority
Peter J. WallisonAug 18, 2009
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The Consumer Financial Protection Agency
Adam J. LevitinAug 06, 2009
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Systemic Risk and the Role of the Federal Reserve
Alice RivlinJul 29, 2009
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Choosing Financial Regulatory Agency Mandates
Charles TaylorJul 18, 2009
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Defining Systemic Risk
Darryll HendricksJul 08, 2009
About Us
Pew's Financial Reform Project, which was formed in response to the ongoing financial crisis, brings a nonpartisan, fact-based approach to reforming and modernizing the financial sector.
The financial crisis resulted in unacceptable costs to families, businesses and taxpayers. Millions of Americans have lost their jobs, their homes and much of their savings. Two years later, Americans are still waiting for Congress to act. Our future depends upon a fair, competitive and stable financial sector.
Real financial reform must:
- Create an early warning system that finds and deals with signs of trouble before they hurt American households;
- End “Too Big To Fail” and bailouts that put taxpayers at risk;
- Increase transparency in markets to protect the interests of American families and ensure that financial firms act responsibly; and
- Protect consumers from harmful business practices.
Pew also supports the work of the Financial Reform Task Force.
The December 2009 Task Force Report, Principles of Financial Reform: A Bipartisan Policy Statement, and other Task Force work is available on the Task Force web site at www.financialreformtaskforce.org.
Pew Lauds Signing of Financial Reform Legislation
John E. Morton, managing director of the Pew Economic Policy Group, on the occasion of President Obama’s signing of the “Wall Street Reform and Consumer Protection Act,” said: “Today’s signing of comprehensive financial reform legislation into law marks the culmination of nearly two years of productive, bipartisan debate about how best to address the causes of the recent financial crisis and reduce the risk of future crises." More
Financial Reform News
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Treasury's Barr to testify on Fannie and Freddie
Corbett B. Daly, ReutersSep 10, 2010
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Op-ed: The new disintegration of finance
Stéphane Rottier and Nicolas Véron, Financial TimesSep 10, 2010
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SEC Homes In on Lehman, 'Funds of Funds'
Kara Scannell and Carrick Mollenkamp, Wall Street JournalSep 10, 2010
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Editorial: We'll Always Have Basel
Wall Street Journal Editorial BoardSep 10, 2010
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Warren delay has Wall St. wondering
Ben White, PoliticoSep 10, 2010
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