Government litigation risk and the decline in low-income mortgage lending

W. Scott Frame; Kristopher Gerardi; Erik J. Mayer; Billy Y. Xu; Lawrence Chengzhi Zhao

doi:10.1016/j.jfineco.2026.104279

Journal of Financial Economics Vol. 181 2026

Government litigation risk and the decline in low-income mortgage lending

W. Scott Frame^1,2; Kristopher Gerardi³; Erik J. Mayer⁴; Billy Y. Xu ⁵; Lawrence Chengzhi Zhao⁶

¹ Bank Policy Institute, 1300 Eye St., N.W., Suite 1100 West, Washington, D.C. 20005, United States · ² Structured Finance Association , · ³ Federal Reserve Bank of Atlanta · ⁴ University of Wisconsin–Madison · ⁵ University of Rochester · ⁶ Texas Tech University

open access

DOI: 10.1016/j.jfineco.2026.104279
Volume: 181
Pages: 104279
Language: en
Sources: openalex semanticscholar crossref

Government litigation risk and the decline in low-income mortgage lending

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