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A listing of the most recent articles on Dallasfed.org related to the selected topic.

Banking

CARES Act Likely to Blunt Mortgage Delinquency Rate Increase

Xiaoqing Zhou

Household survey data and recent unemployment forecasts provide a basis for estimating the share of mortgage borrowers that—absent the CARES Act—would have missed a mortgage payment due to the economic shutdown.

May 26, 2020

How Falling Oil Prices in Early 2020 Weakened the U.S. Economy

Lutz Kilian, Michael D. Plante and Xiaoqing Zhou

The benchmark West Texas Intermediate (WTI) price of oil dropped by more than half from Jan. 21 to April 3. This oil price decline has weakened rather than strengthened the U.S. economy, making this event different from past episodes of falling oil prices.

May 19, 2020

Ability to Repay a Mortgage: Assessing the Relationship Between Default, Debt-to-Income

W. Scott Frame, Kristopher Gerardi, Daniel Sexton and Joseph Tracy

The Consumer Financial Protection Bureau has announced that it intends to change the definition of a “qualified mortgage.” Specifically, the CFPB proposes to reconsider the use of a borrower's debt-to-income ratio as a measure of the ability to repay a loan.

March 24, 2020

The Long Road to Housing Finance Reform: 'Are We There Yet?'

W. Scott Frame and Joseph Tracy

Over the past decade, broad-based legislative reforms for housing finance have proven elusive. However, reflecting lessons from the financial crisis, a political consensus has emerged on how Fannie Mae and Freddie Mac should operate.

February 04, 2020

After the Bust, the Long Road to Housing Finance Reform

W. Scott Frame and Joseph Tracy

The Treasury recently released a plan proposing several administrative and legislative changes aimed at returning Fannie Mae and Freddie Mac to the private sector after more than a decade of federal control.

January 14, 2020

Corporate Debt as a Potential Amplifier in a Slowdown

Robert S. Kaplan

In his latest essay, posted on Dallas Fed Economics, President Rob Kaplan focuses on trends in corporate debt growth and credit quality in the U.S. and discusses potential implications for economic conditions and financial stability.

March 05, 2019

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