scholarly journals The Varying Effects of Predatory Lending Laws on High-Cost Mortgage Applications

2007 ◽  
Author(s):  
Giang Ho ◽  
Anthony Pennington-Cross
Keyword(s):  
Predatory Lending

Assessing the impact of North Carolina's predatory lending law

2004 ◽  
Vol 15 (3) ◽  
pp. 573-601 ◽  
Author(s):  
Roberto G. Quercia ◽  
Michael A. Stegman ◽  
Walter R. Davis
Keyword(s):  
Predatory Lending ◽  
The Impact

The Jewish Prohibition of Interest: Themes, Scopes, and Contemporary Applications

2010 ◽  
pp. 238-254 ◽  
Author(s):  
Daniel Z. Feldman
Keyword(s):  
Jewish Law ◽  
Predatory Lending ◽  
To Receive

The prohibitions of taking and paying interest are the essence of this article. The prohibition of taking interest, also known as ribbit, is one of the most complex areas of Jewish law. The complexity of this realm is multileveled. At first glance, ribbit and its basic intent seems simple to comprehend. It appears to address the widely condemned practice of usury, also known as predatory lending, where a lender exploits a borrower's desperate need for assistance by lending at rates of interest that are excessive and often unfeasible. However, a close look at the details of the prohibition will reveal that concern for predatory lending is insufficient to explain the Torah's ban against interest. This article also discusses the challenge of categorizing ribbit. This article further elaborates upon the effects of prohibition on monetary regulation. Other applications and extensions of the prohibition are explained and the prohibition is also compared to receive and return interest.

Epilogue

2017 ◽  
Author(s):  
Todd M. Michney
Keyword(s):  
African Americans ◽  
Middle Class ◽  
Geographic Mobility ◽  
Black Middle Class ◽  
Predatory Lending ◽  
Elderly Home ◽  
Foreclosure Crisis ◽  
Mount Pleasant ◽  
Bona Fide ◽  
Middle Class Blacks

By the mid-1970s, upwardly mobile middle-class African Americans were increasingly departing neighbourhoods like Glenville, Mount Pleasant, and Lee-Harvard for a number of nearby bona fide suburbs. As a result, such former “surrogate suburbs” began to lose their lustre, although a core (generally elderly), home-owning black middle class still remains in these outlying city neighbourhoods to this day. Starting in the 1990s, Cleveland experienced a wave of predatory lending that culminated in the 2008 foreclosure crisis. Although middle class blacks in Cleveland as elsewhere have been disproportionately impacted by this trend, they have continued their historic strategy of outward geographic mobility in search of acceptable living conditions, even to the farthest metropolitan limits.

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