Category Archives: Consumer Sentiment

After Several Years Of Steady Decline, U.S. Household Leverage Is Showing Signs Of Increasing Again

The great leveraging of America began in the mid-1980s with the wider use of credit cards and the introduction of home equity lines of credit. By 2000, household debt had grown to more than 90% of disposable personal income, and by the end of 2007, it had peaked at 135%. During the financial crisis and […]

Employment and Housing Boost Prospects For U.S. Mortgage Insurers

U.S. Homebuilders Look Forward To A Favorable 2014

Bubble Trouble?

With the continued price gains seen in the S&P/Case-Shiller Home Price Indices, questions about a new housing bubble are bubbling up.  The Sunday New York Times editorial page  asks about housing and laments that the weak recovery and student loan debt are preventing potential home buyers in their 20′s and 30′s from helping the housing […]

Richmond, Calif.’s Eminent Domain Proposal Could Have A Far-Reaching Impact On The U.S. RMBS Market

When Standard & Poor’s Ratings Services commented on the credit impact of eminent domain proposals to seize mortgages pledged to residential mortgage-backed securities (RMBS) last year, we considered the likelihood of implementation remote. However, recent developments suggest that the possibility of such eminent domain proceedings has increased, although only in a few jurisdictions. Because of […]

Economic Update: U.S. Housing Hiccups

Economic Update: The Economy Remains Unfazed By Fiscal Shocks, So Far

Economic Update: Mixed Results

U.S. Municipal Housing Ratings Remain Stable Amid A Tepid Recovery And Legislative Uncertainties

The slow economic recovery is providing an environment that could bolster affordable housing that supports municipal bonds. However, fiscal, economic, and regulatory factors will bear watching as they affect the financial and operational capacity of municipal housing issuers. Today’s economic growth is not particularly robust, but even in the midst of the Great Recession and […]

Economic Update: Still A Recovery. Still Slow


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