Did Consumer Protection Laws Prevent Texas Housing Bubble?

SEA CHANGES IN consumer financial protection: STRONGER AGENCY AND STRONGER LAwS Dee pridgen*. 1american consumer protection law is undergoing a "sea-change" from what. collapse of the housing bubble led to the loss of billions of dollars in the value

I mentioned earlier in the year, that these consumer protection laws may have played a major role in keeping Texas from having a major housing bubble. I did not know at the time that there was a.

The 2010 Dodd-Frank law that overhauled banking rules required the new Consumer financial protection bureau. The provision was meant to prevent the types of abusive mortgages that proliferated.

Mike Konczal has written a nice post on the effect of lending regulations on housing markets, which includes this very good sentence: To put it a different way, banks, instead of underwriting.

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Paul Krugman asks in his column this morning why Texas managed to largely escape the worst of the housing bubble while Georgia leads the country in the number of failed banks. Both are states in which the major cities have relatively few zoning restrictions or natural barriers, which allows for easy sprawl to meet new housing demand.

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The 2010 Dodd-Frank law that overhauled banking rules required the new Consumer Financial Protection Bureau. The provision was meant to prevent the types of abusive mortgages that proliferated.

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The Society of the Owned, Pt. 2: Under the Bus. February. The OCC also promulgated new rules that prevented states from enforcing any of their own consumer protection laws against national banks. The federal government’s actions were so egregious and so unprecedented that all 50 state attorneys general, and all 50 state banking.

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