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The Tale of a House, and an Entire Market
They are joined in that belief by a vast majority of Americans; lending for home purchases rose from a low of $404 billion in 2011 to an estimated $652 billion last year, according to the Mortgage Bankers Association. But while Americans still want to

Stock Market Tumble Baked in the Cake Years Before
The government had just taken over mortgage giants Fannie Mae and Freddie Mac. he had warned of just that danger from excessive leverage in an earlier paper: "Using high leverage to improve corporate performance is much like encouraging safe

The Keeping-Up-With-the-Joneses Myth
The Keeping-Up-With-the-Joneses Myth The idea is that the rich-poor gap leads to credit booms—as the poor try to close the gap with borrowed money— and this leads to defaults, financial busts, and recessions. This story would make the "keeping-up-with-the-Joneses principle" a key It

Jamie Dimon Needed a Raise to Make Up for the Rough Year He's Had
And sometimes you will make the choice to do things that wander into legal gray areas, or that increase the odds of some of your people doing illegal things ("Let's hire a bunch of people to make subprime mortgage loans and pay them for production

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Colleges need to have skin in the game to tackle student loan debt | TheHill

Of Tennessee rightly wants to make colleges more accountable for the results of student loans. With these federal loans, the government lends with no credit underwriting, the students get in debt, but who gets all the money? The colleges. If the students fail to repay the loans, who takes the hit? The taxpayers. This is a perverse incentive structure. It leads to, as his committee report found, “nearly half of all borrowers not making payments on their student loans.”

Alexander proposes a “new accountability system for colleges based upon whether borrowers are actually repaying their student loans.” Great idea! In a similar vein, the annual White House budget correctly observes a “better system would require postsecondary institutions that accept taxpayer funds to share in the financial responsibility associated with student loans.” Indeed, each college should share the risk of whether its students repay the money they borrowed and the college spent. Nothing improves your behavior like having to share in the risk you are creating. In his book “ Skin in the Game ,” Nassim Nicholas Taleb wrote, “If you inflict risk on others, and they are harmed, you need to pay some price for it.

Fed’s Quarles says leveraged loan buildup isn’t a replay of subprime crisis

The central bank’s point person on financial stability said he wasn’t so worried about the rise of leveraged loans, which are risky loans to already debt-laden companies.

In a talk at Yale University on Tuesday, Fed Vice Chair for Supervision Randal Quarles added the media has been overplaying and oversimplifying the story in such a way to make it seem it was analogous to “the Earth must be getting hit by an asteroid.”

In particular, Quarles said leveraged loans risk “is not really a direct analog to the subprime [mortgage] lending” that caused the financial crisis.

Quarles comments appear on the surface to contradict the Fed’s own financial stability report, released Monday, which expressed unease with the rise in leveraged lending.

Read: Credit standards for leveraged loans to corporations has deteriorated, Fed says

“Any weakening of economic activity could boost default rates and lead to credit-related contractions to employment and investment among these businesses,” the report said.

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