@techreport{NBERw13684,
 title = "Mortgage Broker Regulations That Matter: Analyzing Earnings, Employment, and Outcomes for Consumers",
 author = "Morris M. Kleiner and Richard M. Todd",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "13684",
 year = "2007",
 month = "December",
 URL = "http://www.nber.org/papers/w13684",
}