FRB: Financing Community Development: Papers

Papers to be Presented

Is Subprime Loan Pricing Fair or Predatory?
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MODERATOR	Juan C. Sanchez Federal Reserve Bank of Atlanta

Unfair Lending: The Effect of Race and Ethnicity on the Price of Subprime Mortgages	Debbie Gruenstein Bocian, Keith S. Ernst, and Wei Li Center for Responsible Lending

Predatory Lending Practices and Subprime Foreclosures — Distinguishing Impacts by Loan Category	Morgan J. Rose Office of the Comptroller of the Currency

DISCUSSANT	Alan M. White Community Legal Services, Philadelphia

Are Legislative Remedies to Limit Predatory Lending
Really Remedies?
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MODERATOR	Ruth M. Clevenger Rederal Reserve Bank of Cleveland

The Effect of Prepayment Penalties on the Pricing of Subprime Mortgages	Gregory Elliehausen and Michael E. Staten Financial Services Research Program, George Washington University Jevgenijs Steinbuks Department of Economics, George Washington University

State and Local Anti-Predatory Lending Laws: The Effects of Legal Enforcement Mechanisms	Raphael Bostic University of Southern California Kathleen C. Engel Cleveland State University Patricia A. McCoy University of Connecticut Anthony Pennington-Cross Marquette University Susan M. Wachter University of Pennsylvania

DISCUSSANT	Michael Calhoun Center for Responsible Lending

What Determines Who Defaults or Goes Bankrupt?
How Do They Fare?
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MODERATOR	Kelly D. Edmiston Federal Reserve Bank of Kansas City

The Delinquency of Subprime Mortgages	Michelle A. Danis Securities and Exchange Commission Anthony Pennington-Cross Marquette University
The Realities of U.S. Personal Bankruptcy Under Chapter 13	Hülya Eraslan, University of Pennsylvania University of Pennsylvania Wenli Li Federal Reserve Bank of Philadelphia Pierre-Daniel Sarte Federal Reserve Bank of Richmond

DISCUSSANT	Katherine M. Porter University of Iowa

What Should and Can Be Done to Enhance Borrowers'
Knowledge of Their Credit Risk?
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MODERATOR	Marvin M. Smith Federal Reserve Bank of Philadelphia

Consumer Literacy: What Price Perception?	Marsha Courchane and Adam Gailey ERS Group Peter Zorn Freddie Mac

Targeting Foreclosure Interventions: An Analysis of Neighborhood Characteristics Associated with High Foreclosure Rates in Two Minnesota Counties	Michael Grover Federal Reserve Bank of Minneapolis Laura Smith Macalester College Richard M. Todd Federal Reserve Bank of Minneapolis

DISCUSSANT	Glenn B. Canner Board of Governors of the Federal Reserve System

Does the Financing of Small Businesses Differ for
Minority-Owned Businesses and for Businesses in Low-Income
Areas?
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MODERATOR	Dan Tatar Federal Reserve Bank of Richmond

Tracing Access to Financial Capital Among African Americans from the Entrepreneurial Venture to the Established Business	Alicia M. Robb Foundation for Sustainable Development and University of California, Santa Cruz Robert M. Fairlie University of California, Santa Cruz and National Poverty Center, University of Michigan

Commercial Lending Distance and Historically Underserved Areas	Robert DeYoung Federal Deposit Insurance Corporation W. Scott Frame Federal Reserve Bank of Atlanta Dennis Glennon Office of the Comptroller of the Currency Peter Nigro Bryant University

DISCUSSANT	Leora Klapper The World Bank

Can Alternative Financial Services Products Help the
Underbanked?
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MODERATOR	Alfreda B. Norman Federal Reserve Bank of Dallas

Strategic Pricing of Payday Loans: Evidence from Colorado, 2000-2005	Robert DeYoung Federal Deposit Insurance Corporation Ronnie J. Phillips Colorado State University

Cardholder Use of General Spending Prepaid Cards: A Closer Look at the Market	Sherrie L. W. Rhine Office of the Comptroller of the Currency Katy Jacob Federal Reserve Bank of Chicago Yazmin Osaki Federal Reserve Bank of New York Jennifer Tescher The Center for Financial Services Innovation

DISCUSSANT	Victor O. Stango Dartmouth University