ft Editorial Staff | firsttuesday Journal

Unregulated high-risk lending practices: abetting the corruptive competitive advantage

Posted by ft Editorial Staff | Oct 1, 2009 | Feature Articles, Real Estate |

This article examines the role of loan-to-value ratios in mortgage loan originations and addresses the need to curb bond market volatility by limiting lender risk-taking. Despite lessons learned from lending practices that...

Is there widespread dissemination of California’s population to other states?

Posted by ft Editorial Staff | Oct 1, 2009 | Feature Articles, Letters to the Editor, Real Estate |

It is true that the majority of those leaving California go to states with lower…

Regulation Z Revisited: A Timeline

Posted by ft Editorial Staff | Oct 1, 2009 | Feature Articles, Finance, Laws and Regulations, Real Estate |

This article examines the recent changes to the Truth-in-Lending Act (TILA), also known as...

TALF extended

Posted by ft Editorial Staff | Sep 14, 2009 | Real Estate |

The Federal Reserve (the Fed) and the U.S. Treasury Department are extending Term Asset-Backed Securities Loan Facility (TALF) activities. TALF financial programs will support the secondary mortgage market for income property...

Seven-day and Three-day waiting period added to the Truth in Lending Act

Posted by ft Editorial Staff | Sep 14, 2009 | Real Estate |

Changes to the Truth in Lending Act (TILA) now require a seven-day waiting period (incorrectly reported by the New York Times as a three-day waiting period) in which a lender making a loan secured by a principal residence, both...