NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Mortgage Broker Regulations That Matter: Analyzing Earnings, Employment, and Outcomes for Consumers

Morris M. Kleiner, Richard M. Todd

NBER Working Paper No. 13684
Issued in December 2007

---- Acknowledgements -----

We thank Hwikwon Ham, Patricia Haswell, Matthew Hendricks, Thomas LaMalfa, Alexander Lefter, Heidi Liu, Cynthia Pahl, Dan Rozycki, Michael Weisbrot and JW Bond Consultants for their assistance with the paper and staff at the Board of Governors of the Federal Reserve System for providing much of our data. We also thank David Autor, Richard Freeman, Alexandre Mas, and two referees for comments that greatly improved the paper. In addition, we benefited from suggestions from Susan Woodward and participants at seminars hosted by the Aarhus School of Business, the Federal Reserve Board, the Federal Trade Commission, the London School of Economics, the National Bureau of Economic Research, and the University of Minnesota. The views expressed here are those of the authors, and not necessarily those of the Federal Reserve System, the Federal Reserve Bank of Minneapolis, or the National Bureau of Economic Research.

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