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  • 29 Sep 2008
  • Research & Ideas

Financial Crisis Caution Urged by Faculty Panel

much more complicated due in part to the development of mortgage brokers. The new system fueled a bevy of mortgage backed securities and derivatives that were terribly difficult for experts to comprehend, he... View Details
Keywords: by Martha Lagace; Financial Services
  • August 1985 (Revised January 1992)
  • Case

Anderson Street

By: William J. Poorvu
A recent college graduate decides to buy a small multiple-unit building in Boston as a residence and an investment. He learns about finding and valuing properties, property management, construction, and mortgages. After some difficulty he finds a building in an area... View Details
Keywords: Buildings and Facilities; Property; Mortgages; Valuation; Construction; Real Estate Industry; Boston
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  • 20 Dec 2006
  • Op-Ed

Investors Hurt by Dual-Track Tax Reporting

developments. Imagine if you were allowed to represent your income on your tax forms and on your mortgage application differently. In a moment of weakness, you might portray your economic situation in two distinct ways. Unlike... View Details
Keywords: by Mihir Desai
  • 23 Jan 2008
  • Op-Ed

A House Divided: Investment or Shelter?

could finally afford to buy their domiciles. The definition of home shifted. A home became an anchor, a stake in the community. Veterans from World War II seized upon the FHA and VA mortgages to sink roots into the middle class; one... View Details
Keywords: by Nicolas P. Retsinas; Banking; Construction; Real Estate
  • 21 Nov 2017
  • First Look

First Look at New Research and Ideas, November 21, 2017

Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging By: Di Maggio, Marco, Amir Kermani, Benjamin Keys, Tomasz Piskorski, Rodney Ramcharan, Amit Seru, and Vincent Yao Abstract—Exploiting variation... View Details
Keywords: Sean Silverthorne
  • 01 Apr 2008
  • First Look

First Look: April 1, 2008

briefly discussing how mortgages were structured and traded in the pre-1990 period, it describes subprime mortgage lending, as well as other innovative mortgages issued in the... View Details
Keywords: Martha Lagace
  • April 1996
  • Case

Silver Lane Apartments

By: William J. Poorvu and John H. Vogel Jr.
Scott Johnson is a successful developer of single-family and multi-family housing who specializes in renovating and turning around poorly performing apartments in good locations. He plans to sell a 506-unit property for portfolio and estate planning purposes. This case... View Details
Keywords: Housing; Mortgages; Property; Negotiation Tactics; Real Estate Industry
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  • 01 Mar 2010
  • Op-Ed

A Golden Opportunity for Ford and GM

too few consumers. Mulally's first act was to borrow $23.5 billion by mortgaging the entire company to give Ford the runway necessary to retool its aging lineup. Mulally moved fast, trimming unpopular lines, cutting management layers, and... View Details
Keywords: by Bill George; Auto
  • 2010
  • Working Paper

A Brief Postwar History of U.S. Consumer Finance

By: Andrea Ryan, Gunnar Trumbull and Peter Tufano
This article describes the consumer finance sector in the US since World War II. We first define the sector in terms of the functions delivered by firms (payments, savings/investing, borrowing, managing risk, and providing advice.) We provide time series evidence on... View Details
Keywords: Decision Choices and Conditions; Borrowing and Debt; Mortgages; Personal Finance; Business History; Innovation and Invention; Risk and Uncertainty; Financial Services Industry; United States
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  • 15 May 2007
  • First Look

First Look: May 15, 2007

the industry and dominated it for nearly 20 years, the well-respected company faces a bevy of new entrants from the banking, mortgage finance, and insurance sectors. In particular, management must decide how to respond to an aggressive... View Details
Keywords: Martha Lagace
  • 04 Oct 2016
  • First Look

October 4, 2016

depends on the assets purchased and the degree of segmentation in the market. For example, QE1, which involved significant purchases of GSE-guaranteed mortgages, increased GSE-eligible mortgage originations significantly more than the... View Details
  • 17 May 2010
  • Research & Ideas

What Brazil Teaches About Investor Protection

regulations should focus on. Repressing too much would be a problem. Obviously, Brazilian bankers at the turn of the 20th century were relatively conservative. They had mortgages on their balance sheets, but monitored them closely. At the... View Details
Keywords: by Sean Silverthorne; Banking; Financial Services
  • 21 Jan 2009
  • First Look

First Look: January 21, 2009

recommendations for change. Purchase this note: http://harvardbusinessonline.hbsp.harvard.edu/ b01/en/common/item_detail.jhtml?id=209056 Rosetree Mortgage Opportunity Fund Harvard Business School Case 209-088 In December 2008, in the... View Details
Keywords: Martha Lagace
  • 22 Jun 2009
  • Research & Ideas

“Too Big To Fail”: Reining In Large Financial Firms

regulated and transparent markets and institutions and into the lightly regulated or unregulated shadow markets encompassing mortgage brokers, hedge funds, private-equity funds, off-balance sheet structured-investment vehicles, and a... View Details
Keywords: by Roger Thompson; Banking; Financial Services
  • 05 May 2003
  • Research & Ideas

How Bank of America Turned Branches into Service-Development Laboratories

experiment required the involvement of a specialist—a mortgage underwriter, say—the team would enlist an actual specialist from the bank's staff and have him or her perform the required task. By the time an experiment was rolled out in... View Details
Keywords: by Stefan Thomke; Banking; Financial Services
  • 05 Jun 2007
  • First Look

First Look: June 5, 2007

their first private equity fund. Purchase this case: http://www.hbsp.harvard.edu/b01/en/common/item_detail.jhtml?id=207067 Bankinter: Deploying the Mortgage Simulator to the Branches Harvard Business School Case 107-070 Describes how... View Details
Keywords: Martha Lagace
  • 05 May 2009
  • First Look

First Look: May 5, 2009

compensation is a sign of poor governance. It also discusses the union's "Say on Pay" proposals that sought to allow shareholders an advisory vote on executive compensation. Finally, the case provides details on the rise of Countrywide Financial, its... View Details
Keywords: Martha Lagace
  • January 1995 (Revised January 1995)
  • Case

USAA: Business Process Review for the Great Lakes Region (Abridged)

By: James L. Heskett
Presents the results of a service process analysis of USAA's claims processing activity in its Great Lakes Region. Explores not only issues of redesigning the process but also the organizational implications of various alternatives. View Details
Keywords: Restructuring; Mortgages; Management Practices and Processes; Business Processes; Organizational Design; Mathematical Methods; Real Estate Industry; North America
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  • October 2008 (Revised October 2009)
  • Case

New Century Financial Corporation

By: Krishna G. Palepu, Suraj Srinivasan and Aldo Sesia
After years of rapid growth and stock price appreciation, New Century Financial Corporation, one of the largest subprime loan originators in the U.S., reported accounting problems in early 2007. The resulting liquidity crisis forced the company to file for Chapter 11... View Details
Keywords: Accounting Audits; Financial Reporting; Business Model; Financial Crisis; Insolvency and Bankruptcy; Mortgages; Financial Services Industry; United States
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  • 18 Jul 2005
  • Research & Ideas

Time to Rethink the Corporate Tax System?

tax obligations. Q: You mentioned the dual-book system. Why are firms allowed to report their profits in two different ways to capital markets and tax authorities? A: It is a curious system. Imagine if you were allowed to report income to the IRS in one way and on your... View Details
Keywords: by Ann Cullen

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