{"id":"https://openalex.org/W75561130","doi":"https://doi.org/10.2139/ssrn.2264710","title":"The Effect of Foreclosure Regulation: Evidence for the US Mortgage Market at State Level","display_name":"The Effect of Foreclosure Regulation: Evidence for the US Mortgage Market at State Level","publication_year":2013,"publication_date":"2013-01-01","ids":{"openalex":"https://openalex.org/W75561130","doi":"https://doi.org/10.2139/ssrn.2264710","mag":"75561130"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.2264710","doi":"https://doi.org/10.2139/ssrn.2264710","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.2264710","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"SSRN Electronic Journal","raw_type":"journal-article"},"volume":null,"type":"preprint","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.2264710","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5032822009","display_name":"Fernando L\u00f3pez Vicente","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I185763367","display_name":"Bank of Spain","ror":"https://ror.org/02f26yq04","country_code":"ES","type":"other","lineage":["https://openalex.org/I185763367"]}],"countries":["ES"],"is_corresponding":true,"raw_author_name":"Fernando L\u00f3pez Vicente","raw_affiliation_strings":["Banco de Espa\u00f1a, Alcala 50, Madrid 28014, Spain","Banco de Espa\u00f1a"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Banco de Espa\u00f1a, Alcala 50, Madrid 28014, Spain","institution_ids":["https://openalex.org/I185763367"]},{"raw_affiliation_string":"Banco de Espa\u00f1a","institution_ids":["https://openalex.org/I185763367"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5032822009"],"corresponding_institution_ids":["https://openalex.org/I185763367"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":62,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":"6","first_page":"1","last_page":"50"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.9940999746322632,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.002099999925121665,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12509","display_name":"Corporate Insolvency and Governance","score":0.0006000000284984708,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mortgage-market","display_name":"mortgage market","score":0.5429999828338623},{"id":"https://openalex.org/keywords/mortgage-default-rates","display_name":"mortgage default rates","score":0.6200000047683716},{"id":"https://openalex.org/keywords/judicial-foreclosure","display_name":"judicial foreclosure","score":0.7509999871253967},{"id":"https://openalex.org/keywords/redemption-period","display_name":"redemption period","score":0.9649999737739563},{"id":"https://openalex.org/keywords/credit-rationing","display_name":"credit rationing","score":0.8009999990463257},{"id":"https://openalex.org/keywords/moral-hazard","display_name":"moral hazard","score":0.9929999709129333},{"id":"https://openalex.org/keywords/housing-market-crisis","display_name":"housing market crisis","score":0.8980000019073486},{"id":"https://openalex.org/keywords/state-level-regulation","display_name":"state-level regulation","score":0.49900001287460327}],"concepts":[{"id":"https://openalex.org/C2776830614","wikidata":"https://www.wikidata.org/wiki/Q231710","display_name":"Foreclosure","level":2,"score":0.8397856950759888},{"id":"https://openalex.org/C43039823","wikidata":"https://www.wikidata.org/wiki/Q6914671","display_name":"Mortgage underwriting","level":5,"score":0.5283164381980896},{"id":"https://openalex.org/C97330809","wikidata":"https://www.wikidata.org/wiki/Q4202997","display_name":"Mortgage insurance","level":4,"score":0.428911417722702},{"id":"https://openalex.org/C152876461","wikidata":"https://www.wikidata.org/wiki/Q7886321","display_name":"Commercial mortgage-backed security","level":5,"score":0.4239773452281952},{"id":"https://openalex.org/C165060548","wikidata":"https://www.wikidata.org/wiki/Q555344","display_name":"Loan-to-value ratio","level":5,"score":0.4163150191307068},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.4135345220565796},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4055248498916626},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4046036899089813},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.385242760181427},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.23514509201049805},{"id":"https://openalex.org/C68799949","wikidata":"https://www.wikidata.org/wiki/Q977871","display_name":"Insurance policy","level":2,"score":0.0},{"id":"https://openalex.org/C22738907","wikidata":"https://www.wikidata.org/wiki/Q3813256","display_name":"Casualty insurance","level":3,"score":0.0}],"mesh":[],"locations_count":4,"locations":[{"id":"doi:10.2139/ssrn.2264710","doi":"https://doi.org/10.2139/ssrn.2264710","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.2264710","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"SSRN Electronic Journal","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:bde:wpaper:1306","doi":null,"is_oa":true,"landing_page_url":"http://www.bde.es/f/webbde/SES/Secciones/Publicaciones/PublicacionesSeriadas/DocumentosTrabajo/13/Fich/dt1306e.pdf","pdf_url":"http://www.bde.es/f/webbde/SES/Secciones/Publicaciones/PublicacionesSeriadas/DocumentosTrabajo/13/Fich/dt1306e.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"mag:3124291332","doi":null,"is_oa":false,"landing_page_url":"https://econpapers.repec.org/RePEc:bde:wpaper:1306","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RePEc: Research Papers in Economics","raw_type":null},{"id":"mag:3124627254","doi":null,"is_oa":false,"landing_page_url":"https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/PublicacionesSeriadas/DocumentosTrabajo/13/Fich/dt1306e.pdf","pdf_url":null,"source":{"id":"https://openalex.org/S4306508264","display_name":"Documentos de trabajo del Banco de Espa\u00f1a","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"Documentos de trabajo del Banco de Espa\u00f1a","raw_type":null}],"best_oa_location":{"id":"doi:10.2139/ssrn.2264710","doi":"https://doi.org/10.2139/ssrn.2264710","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.2264710","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"SSRN Electronic Journal","raw_type":"journal-article"},"sustainable_development_goals":[{"display_name":"Peace, justice, and strong institutions","id":"https://metadata.un.org/sdg/16","score":0.9595999717712402}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":92,"referenced_works":["https://openalex.org/W34694336","https://openalex.org/W126938140","https://openalex.org/W170228646","https://openalex.org/W186871640","https://openalex.org/W1482413703","https://openalex.org/W1487686965","https://openalex.org/W1491987733","https://openalex.org/W1493733401","https://openalex.org/W1495656322","https://openalex.org/W1496576242","https://openalex.org/W1498665818","https://openalex.org/W1503841534","https://openalex.org/W1507128998","https://openalex.org/W1511073596","https://openalex.org/W1512935113","https://openalex.org/W1514458725","https://openalex.org/W1517246769","https://openalex.org/W1519039552","https://openalex.org/W1519054261","https://openalex.org/W1529923465","https://openalex.org/W1540795633","https://openalex.org/W1541900720","https://openalex.org/W1546523058","https://openalex.org/W1554806274","https://openalex.org/W1570768187","https://openalex.org/W1573069708","https://openalex.org/W1575121214","https://openalex.org/W1575484098","https://openalex.org/W1579717666","https://openalex.org/W1603434492","https://openalex.org/W1650048122","https://openalex.org/W1748179394","https://openalex.org/W1874151487","https://openalex.org/W1874823978","https://openalex.org/W1965696843","https://openalex.org/W1968457300","https://openalex.org/W1971534717","https://openalex.org/W1971802309","https://openalex.org/W1972466695","https://openalex.org/W1972799190","https://openalex.org/W1979427927","https://openalex.org/W1979882792","https://openalex.org/W1983291248","https://openalex.org/W1987442499","https://openalex.org/W1999614880","https://openalex.org/W2008506668","https://openalex.org/W2011462636","https://openalex.org/W2017358761","https://openalex.org/W2025265854","https://openalex.org/W2080677934","https://openalex.org/W2086652341","https://openalex.org/W2089918938","https://openalex.org/W2110577077","https://openalex.org/W2112352537","https://openalex.org/W2117594039","https://openalex.org/W2118086305","https://openalex.org/W2123553554","https://openalex.org/W2123895543","https://openalex.org/W2126394392","https://openalex.org/W2146970855","https://openalex.org/W2150455971","https://openalex.org/W2154423425","https://openalex.org/W2155767511","https://openalex.org/W2159318003","https://openalex.org/W2161809594","https://openalex.org/W2236642150","https://openalex.org/W2266848821","https://openalex.org/W2794699369","https://openalex.org/W2891050112","https://openalex.org/W2955469114","https://openalex.org/W2971435184","https://openalex.org/W2973112784","https://openalex.org/W3121377335","https://openalex.org/W3121457215","https://openalex.org/W3121739776","https://openalex.org/W3121820273","https://openalex.org/W3121847111","https://openalex.org/W3121938440","https://openalex.org/W3122630720","https://openalex.org/W3123209752","https://openalex.org/W3123715034","https://openalex.org/W3123856598","https://openalex.org/W3124128259","https://openalex.org/W3124465044","https://openalex.org/W3124666097","https://openalex.org/W3125046160","https://openalex.org/W3125178414","https://openalex.org/W3125250209","https://openalex.org/W3125601827","https://openalex.org/W3125656997","https://openalex.org/W4210916956","https://openalex.org/W4231012955"],"related_works":["https://openalex.org/W3123521409","https://openalex.org/W3121543581","https://openalex.org/W7100873450","https://openalex.org/W4210916956","https://openalex.org/W1569406544","https://openalex.org/W7100038881","https://openalex.org/W7099736638","https://openalex.org/W2112351115","https://openalex.org/W888870497","https://openalex.org/W7099154448"],"abstract_inverted_index":null,"counts_by_year":[{"year":2018,"cited_by_count":1},{"year":2016,"cited_by_count":1},{"year":2015,"cited_by_count":13},{"year":2014,"cited_by_count":33},{"year":2013,"cited_by_count":14}],"updated_date":"2026-11-03T10:50:19.383937","created_date":"2016-06-24T00:00:00"}
