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Author : Matthew J. Rossman
Publisher :
Page : 62 pages
File Size : 28,25 MB
Release : 2016
Category :
ISBN :
Author : Linda E. Fisher
Publisher : Cambridge University Press
Page : 227 pages
File Size : 27,93 MB
Release : 2019-07-18
Category : Business & Economics
ISBN : 1108415571
Fisher and Fox demonstrate how ordinary people experienced the foreclosure crisis and how lenders and public institutions failed to protect them.
Author : Isaac Martin
Publisher : Stanford University Press
Page : 112 pages
File Size : 15,18 MB
Release : 2015-04-01
Category : Social Science
ISBN : 0804795789
From 2007 to 2012, almost five percent of American adults—about ten million people—lost their homes because they could not make mortgage payments. The scale of this home mortgage crisis is unprecedented—and it's not over. Foreclosures still displace more American homeowners every year than at any time before the twenty-first century. The dispossession and forced displacement of American families affects their health, educational success, and access to jobs. It continues to block any real recovery in the hardest-hit communities. While we now know a lot about how this crisis affected the global economy, we still know very little about how it affected the people who lost their homes. Foreclosed America offers the first representative portrait of those people—who they are, how and where they live after losing their homes, and what they have to say about their finances, their neighborhoods, and American politics. It is a sobering picture of Americans down on their luck, and of a crisis that is testing American democracy.
Author : Christopher E. Herbert
Publisher : DIANE Publishing
Page : 83 pages
File Size : 42,42 MB
Release : 2010-06
Category : Law
ISBN : 1437929273
Analyzes data and trends in the residential housing market and reviews the academic lit. and industry press on the root causes of the current foreclosure crisis (FC). Provides a review of policy responses and recommended actions to mitigate the FC and help prevent similar crises from occurring in the future. Contents: (1) Trends in Delinquencies and Foreclosures: Regional Trends in Foreclosures; (2) Lit. Review: General Lit. on Causes of Foreclosures and Delinquencies; Lit. Assessing Causes of the Current FC; Factors Enabling Expanded Risky Lending; (3) Policy Responses to the FC: Efforts To Address Rising Foreclosures; Efforts To Reduce the Risk of High Rates of Mortgage Foreclosures in the Future; Mortgage Market Reform. Illus.
Author : Janelle Downing
Publisher :
Page : 78 pages
File Size : 49,12 MB
Release : 2015
Category :
ISBN :
Foreclosure rates reached unprecedented levels in the United States during the Great Recession. During 2010, one in 45 housing units nationwide received a foreclosure filing. Residents who lived near properties in foreclosure from 2007 to 2012 lost an estimated collective $2.2 trillion in property values, local governments tax base declined, and affected communities experienced an increase in crime and blight. In the aftermath of the foreclosure crisis, little is known about how the foreclosure crisis affected the health of homeowners who lost their homes to foreclosure and the health of residents living in communities hit hard by the crisis. This dissertation, made up of three papers, first explores the explicit and implicit theories evoked by the literature in this space, and then empirically tests the hypothesis that the foreclosure crisis had spillover effects on health. The first paper systematically reviews the existing, early-stage research on foreclosures and health by presenting an organizational schema based on level of analysis, type of housing distress measure, and health outcome. In addition, the review describes the specific mechanisms linking foreclosures and health, and how this field aligns and departs from the larger body of work on recessions and health. The second and third papers empirically test if the foreclosure crisis has an impact on glycemic control (hemoglobin A1c) and weight change of patients in a large clinical population of continuously insured patients with diabetes living in the Bay Area of California during 2007 to 2010. The three primary conclusions from this work are: 1) there was no evidence of a spillover effect of the foreclosure crisis on A1c or weight change among patients in a managed care system; 2) the pathways by which health is influenced by experiencing a foreclosure compared to living near a foreclosure are distinct and vary based on the manner in which the exposure and outcome are operationalized; 3) housing and labor market factors appear to have related yet discrete repercussions on health and healthcare.
Author : Robert V. Wolf
Publisher :
Page : 42 pages
File Size : 11,23 MB
Release : 2013-04-06
Category : Social Science
ISBN : 9781457844812
Because the intertwined problems of foreclosure and mortgage fraud have reached crisis proportions they are threatening the stability of entire neighborhoods, making the search for effective responses a priority not only for bankers and real estate brokers but also local governments, Police departments, prosecutors’offices, and community groups. The problem on the ground for the hardest hit communities is that foreclosures and mortgage fraud are fueling a dramatic rise in the number of vacant and abandoned properties. These properties can generate a host of interrelated problems: crime, homelessness, and strains on municipal services, as well as safety hazards and lower property values. In many jurisdictions, the number and location of foreclosed and vacant properties is changing so rapidly that officials have trouble counting them, let alone formulating a meaningful response. This report is intended to serve as a guide to government and law enforcement officials across the U.S. seeking to address these challenges in their own communities. This is a print on demand report.
Author : Amy Willis
Publisher :
Page : 5 pages
File Size : 32,90 MB
Release : 2013
Category :
ISBN :
How can we combat the foreclosure crisis outside of the law? The communities that are hit hardest by foreclosure tend to also have other socio-economic problems. Is this being spurred on by the consumer driver culture in America? Is there a new way to approach living the "American Dream" and what does this mean now for future home ownership?
Author : Aaron Glantz
Publisher : HarperCollins
Page : 448 pages
File Size : 21,16 MB
Release : 2019-10-15
Category : Business & Economics
ISBN : 0062869558
“[I] can’t recommend this joint enough. ... An illuminating and discomfiting read.” —Ta-Nehisi Coates "Essential reading." —New York Review of Books A shocking, heart-wrenching investigation into America’s housing crisis and the modern-day robber barons who are making a fortune off the backs of the disenfranchised working and middle class—among them, Donald Trump and his inner circle. Two years before the housing market collapsed in 2008, Donald Trump looked forward to a crash: “I sort of hope that happens because then people like me would go in and buy,” he said. But our future president wasn’t alone. While millions of Americans suffered financial loss, tycoons pounced to heartlessly seize thousands of homes—their profiteering made even easier because, as prize-winning investigative reporter Aaron Glantz reveals in Homewreckers, they often used taxpayer money—and the Obama administration’s promise to cover their losses. In Homewreckers, Glantz recounts the transformation of straightforward lending into a morass of slivered and combined mortgage “products” that could be bought and sold, accompanied by a shift in priorities and a loosening of regulations and laws that made it good business to lend money to those who wouldn’t be able to repay. Among the men who laughed their way to the bank: Trump cabinet members Steve Mnuchin and Wilbur Ross, Trump pal and confidant Tom Barrack, and billionaire Republican cash cow Steve Schwarzman. Homewreckers also brilliantly weaves together the stories of those most ravaged by the housing crisis. The result is an eye-opening expose of the greed that decimated millions and enriched a gluttonous few.
Author : Financial Crisis Inquiry Commission
Publisher : Cosimo, Inc.
Page : 692 pages
File Size : 45,70 MB
Release : 2011-05-01
Category : Political Science
ISBN : 1616405414
The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.
Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
Page : 583 pages
File Size : 15,11 MB
Release : 2017-04-27
Category : Medical
ISBN : 0309452961
In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.