More than a dozen years after the Dodd‐Frank Act was introduced, we investigate whether
credit ratings for the US residential mortgage‐backed securities (RMBS) market differ given …

The Journal of Alternative Investments (JAI) offers detailed analysis and expert insight on the
evolving field of alternative investments. The JAI strives to provide its readers with practical …

Purpose The purpose of this study is to demonstrate that the conventional mortgage system
is not appropriate for household finance because it encourages equity extraction and …

Institutional and retail investors alike litigated extensively after the 2007–2009 Global
Financial Crisis (“GFC”), alleging claims for misconduct of all varieties, resulting in …

The rapidly changing 21 st century has seen technological advances that have made
markets extremely competitive. Technological advancements have contributed to the decline …

In this study, I examine the Fannie Mae (FNMA) single-family mortgage loan modification
process over the period from 1999 to 2021. Loan modification rates are higher during the …

The author analyzes a loan-level dataset of 1,528 defaults in California that led to sale of the
property as “real estate owned” during the period from 2005 to 2017. In 898 cases (59%) …

Credit ratings from the major rating agencies failed to signal the true risk content of
residential mortgage-backed securities (RMBS), collateralized debt obligations (CDOs), and …

The external expectations of organizational accountability force organizational leaders to
find solutions and answers in organizational (and information) governance to assuage the …

The external expectations of organizational accountability force organizational leaders to
find solutions and answers in organizational (and information) governance to assuage the …