A Survey of the Ratio of Mortgage Assets to Total Assets and Its Relation to Regulation

Abstract

This paper aims to look at banks’ portfolios, specifically their holdings of residential mortgage assets, to determine if regulation has any affect on the composition. We do this by looking for clear discontinuities at times where we have a change in regulation, whether it be a change in capital requirement or in auditing. These actions by banks’, if they… (More)

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