Raphael W. Bostic

Federal Reserve Bank of Atlanta

President and CEO

1000 Peachtree Street N.E.

Atlanta, GA 30309-4470

United States

SCHOLARLY PAPERS

25

DOWNLOADS
Rank 17,490

SSRN RANKINGS

Top 17,490

in Total Papers Downloads

4,136

SSRN CITATIONS
Rank 9,496

SSRN RANKINGS

Top 9,496

in Total Papers Citations

42

CROSSREF CITATIONS

90

Scholarly Papers (25)

1.

State and Local Anti-Predatory Lending Laws: The Effect of Legal Enforcement Mechanisms

Journal of Economics and Business, Vol. 60, p. 47, 2008
Number of pages: 47 Posted: 10 Aug 2007 Last Revised: 26 Oct 2012
Federal Reserve Bank of Atlanta, Suffolk University Law School, Boston College Law School, Marquette University - Dept. of Finance and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 880 (38,574)
Citation 16

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Subprime lending, enforcement mechanisms, predatory lending, anti-predatory lending laws, mortgage lending, homeownership

2.

Supplier Relationships and Small Business Use of Trade Credit

FRB Chicago Working Paper No. 2000-28
Number of pages: 41 Posted: 04 Feb 2001
Daniel Aaronson, Raphael W. Bostic, Paul Huck and Robert M. Townsend
Federal Reserve Bank of Chicago, Federal Reserve Bank of Atlanta, Federal Reserve Bank of Chicago and MIT - Department of Economics
Downloads 402 (103,627)
Citation 3

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Regulatory Incentives and Consolidation: The Case of Commercial Bank Mergers and the Community Reinvestment Act

FRB of Chicago Working Paper No. WP-02-06
Posted: 15 Jul 2021
Federal Reserve Bank of Atlanta, Independent, affiliation not provided to SSRN and affiliation not provided to SSRN

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Regulatory Incentives and Consolidation: The Case of Commercial Bank Mergers and the Community Reinvestment Act

Number of pages: 28 Posted: 13 Jun 2002
Federal Reserve Bank of Atlanta, Independent, Federal Reserve Bank of Chicago and affiliation not provided to SSRN
Downloads 344 (122,673)
Citation 5

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4.

Mortgage Product Substitution and State Anti-Predatory Lending Laws: Better Loans and Better Borrowers?

Atlantic Economic Journal, Vol. 40, p. 273, 2012, U of Penn, Inst for Law & Econ Research Paper No. 09-27, Suffolk University Law School Research Paper No. 09-44
Number of pages: 51 Posted: 26 Aug 2009 Last Revised: 24 Oct 2012
Federal Reserve Bank of Atlanta, Office of the Comptroller of the Currency (OCC), Suffolk University Law School, Boston College Law School, Marquette University - Dept. of Finance and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 322 (132,493)
Citation 14

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Real estate, mortgages, housing, abusive lending, predatory lending, mortgage products, product substitution, adjustment to prohibition

5.

The Role of Race in Mortgage Lending: Revisiting the Boston Fed Study

Board of Governors of the Federal Reserve System Finance and Econ. Disc. Series #97-2
Number of pages: 45 Posted: 19 Mar 1997
Raphael W. Bostic
Federal Reserve Bank of Atlanta
Downloads 318 (134,153)
Citation 9

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6.

Does Credit Quality Matter for Homeownership?

Number of pages: 32 Posted: 14 Dec 2003
Government of the United States of America - Office of the Comptroller of the Currency (OCC), Federal Reserve Bank of Atlanta, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and University of Pennsylvania - Wharton School, Department of Real Estate
Downloads 292 (146,752)
Citation 12

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Credit quality, homeownership, barriers to homeownership, household credit rating, financial constraints and homeownership

7.
Downloads 281 (152,589)
Citation 24

Land Leverage: Decomposing Home Price Dynamics

Number of pages: 34 Posted: 26 Jan 2006
Federal Reserve Bank of Atlanta, Wichita State University - W. Frank Barton School of Business and University of Southern California - Sol Price School of Public Policy
Downloads 252 (169,635)
Citation 1

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Housing prices, land, home price index

Land Leverage: Decomposing Home Price Dynamics

Real Estate Economics, Vol. 35, No. 2, pp. 183-208, Summer 2007
Number of pages: 26 Posted: 24 May 2007
Federal Reserve Bank of Atlanta, Wichita State University - W. Frank Barton School of Business and University of Southern California - Sol Price School of Public Policy
Downloads 29 (653,766)
Citation 4

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8.

Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

Number of pages: 36 Posted: 16 Jun 2008
Xudong An and Raphael W. Bostic
Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Atlanta
Downloads 256 (167,615)
Citation 2

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Subprime lending, government-sponsored enterprise (GSE), affordable housing goals, mortgage credit, cost savings

9.

Have the Doors Opened Wider? Trends in Homeownership by Race and Income

Number of pages: 32 Posted: 04 Oct 2000
Raphael W. Bostic and Brian J. Surette
Federal Reserve Bank of Atlanta and Freddie Mac
Downloads 240 (178,427)
Citation 14

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Homeownership, community reinvestment, CRA, home mortgage disclosure act, HMDA, credit scoring

10.

Financial Literacy and Mortgage Credit: Evidence from the Recent Mortgage Market Crisis

Number of pages: 52 Posted: 18 Jul 2015
Xudong An, Raphael W. Bostic and Vincent Yao
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Atlanta and Georgia State University - J. Mack Robinson College of Business
Downloads 158 (259,161)
Citation 3

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financial literacy, mortgage credit, mortgage choice, borrowing cost, default, prepayment

11.

Why Are Small and Medium Multifamily Properties So Inexpensive?

Forthcoming, Journal of Real Estate Finance and Economics
Number of pages: 49 Posted: 16 Sep 2019
Georgia Institute of Technology, Federal Reserve Bank of Atlanta, Enterprise Community Partners, California State Polytechnic University, Pomona - Finance, Real Estate and Law Department and Occidental College
Downloads 145 (277,666)

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Small and medium multifamily, affordable housing, asset pricing, neighborhood effects, asset-specific characteristics, local housing markets

12.

Effects of the Community Reinvestment Act (Cra) on Small Business Lending

FRB of Philadelphia Working Paper No. 18-27
Number of pages: 41 Posted: 04 Dec 2018 Last Revised: 29 Apr 2020
Lei Ding, Hyojung Lee and Raphael W. Bostic
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Harvard University and Federal Reserve Bank of Atlanta
Downloads 134 (295,147)
Citation 3

Abstract:

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Small Business, Credit, Community Reinvestment Act

13.

Economic Study of the Rent Stabilization Ordinance and the Los Angeles Housing Market

Economic Roundtable Research Report, 2009
Number of pages: 431 Posted: 18 Aug 2016
Economic Roundtable, Economic Roundtable, Economic Roundtable, Economic Roundtable, Independent, Federal Reserve Bank of Atlanta, Independent and Independent (Deceased)
Downloads 95 (374,641)

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Affordable, Allowable, Apartment, Burden, Enforcement, Conversion, Control, Disability, Eviction, Fair Return, Housing, Increase, Landlord, Lease, Los Angeles, Multifamily, Operating Cost, Ordinance, Overcrowding, Owner, Preservation, Profit, Rent, Stabilization, Renter, RSO, Turnover, Vacancy Rate

14.

Racial Differences in Short-Run Earnings Stability and Implications for Credit Markets

Number of pages: 41 Posted: 18 Nov 1997
Raphael W. Bostic
Federal Reserve Bank of Atlanta
Downloads 81 (412,615)
Citation 2

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15.

Effects of Concentrated LIHTC Development on Surrounding House Prices

Journal of Housing Economics, Forthcoming
Number of pages: 41 Posted: 08 Feb 2021 Last Revised: 28 Mar 2022
Econsult Solutions, Econsult Solutions, SZ Consulting, Enterprise Community Partners, Georgia Institute of Technology, Occidental College, California State Polytechnic University, Pomona - Finance, Real Estate and Law Department and Federal Reserve Bank of Atlanta
Downloads 78 (421,749)
Citation 1

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LIHTC, affordable housing, housing prices, spatial persistence, neighborhood change

16.

The Impact of State Antipredatory Lending Laws: Policy Implications and Insights

BORROWING TO LIVE: CONSUMER AND MORTGAGE CREDIT REVISITED, Joint Center for Housing Studies, Harvard University and Brookings Institution Press, 2008, 3rd Annual Conference on Empirical Legal Studies Papers
Number of pages: 41 Posted: 03 Apr 2008 Last Revised: 25 Oct 2012
Federal Reserve Bank of Atlanta, Boston College Law School, Marquette University - Dept. of Finance, University of Pennsylvania - Wharton School, Department of Real Estate and Suffolk University Law School
Downloads 34 (605,788)
Citation 1

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subprime, lending regulations, mortgages, predatory lending

17.

What Determines Where Public Investment Goes? Regional Governance and The Role of Institutional Rules and Power

Public Administration Review, 2020
Number of pages: 59 Posted: 09 Jul 2020
Brian An and Raphael W. Bostic
Georgia Institute of Technology and Federal Reserve Bank of Atlanta
Downloads 23 (679,082)
Citation 3

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Regional governance, metropolitan politics, resource allocation, institutional power, institutional rules, transportation, regional planning

18.

Book Reviews

Number of pages: 40 Posted: 29 Mar 2004
Emory & Henry College, Federal Reserve Bank of Atlanta, University of California, Davis, Williams College - Department of Economics, University of Nebraska at Lincoln - Department of Economics, University of Washington - Department of Geography, California State University, Long Beach - Department of Economics, University of Quebec at Montreal - INRS, University of Strathclyde in Glasgow, Athens University of Economics and Business - Department of Economics, McMaster University, University of Oxford, Florida State University - Department of Geography, State University of New York (SUNY) at Buffalo, National University of Ireland, Galway, Mississippi State University, University of Miami, Allegany College of Maryland and University of California, Los Angeles (UCLA) - School of Public Policy & Social Research
Downloads 22 (686,902)

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19.

Enterprise Zones and Individual Welfare: A Case Study of California

Journal of Regional Science, Vol. 46, No. 2, pp. 175-203, May 2006
Number of pages: 29 Posted: 08 May 2006
Raphael W. Bostic and Allen C. Prohofsky
Federal Reserve Bank of Atlanta and California Franchise Tax Board
Downloads 18 (718,431)
Citation 1

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20.

Rental Affordability in the Wake of Natural Disasters

Number of pages: 36 Posted: 12 Jul 2022
Georgia Institute of Technology, Enterprise Community Partners, California State Polytechnic University, Pomona - Finance, Real Estate and Law Department, Occidental College and Federal Reserve Bank of Atlanta
Downloads 13 (762,098)

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natural disaster, rental affordability, rent change, vacancy rate, market failure

21.

GSE Activity, FHA Feedback, and Implications for the Efficacy of the Affordable Housing Goals

Journal of Real Estate Finance and Economics, Vol. 36, No. 2, 2008
Posted: 16 Oct 2007
Xudong An and Raphael W. Bostic
Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Atlanta

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affordable housing goals, GSE, FHA, homeownership, underserved neighborhoods, credit rationing

22.

Do Cra-Related Events Affect Shareholder Wealth? The Case of Bank Mergers

The Financial Review, Vol. 40, No. 4, November 2005
Posted: 16 Aug 2005
University of Delaware - Department of Finance, University of Delaware, Federal Reserve Bank of Atlanta and University of Tennessee, Knoxville - Department of Finance

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Community Reinvestment Act, bank mergers, market reaction, event study, estimation period

23.

Have Anti-Discrimination Housing Laws Worked? Evidence from Trends in Black Homeownership

Posted: 29 Dec 2004
Raphael W. Bostic and Richard W. Martin
Federal Reserve Bank of Atlanta and University of Georgia - Department of Insurance, Legal Studies, Real Estate

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24.

A Test of Cultural Affinity in Home Mortgage Lending

Posted: 16 Feb 2004
Raphael W. Bostic
Federal Reserve Bank of Atlanta

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cultural affinity, mortgages, discrimination

25.

Have the Doors Opened Wider? Trends in Homeownership Rates by Race and Income

Posted: 16 Apr 2002
Raphael W. Bostic and Brian J. Surette
Federal Reserve Bank of Atlanta and Freddie Mac

Abstract:

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homeownership, race, income, community reinvestment act, credit scoring