2007~2008 금융위기와 미국신협의 부동산대출 지도감독 = 2007~2008 Financial Crisis and the Supervision of Credit Union Real Estate Lending in the U.S.

참고문헌 (Reference)

1 "http://www2.fdic.gov/SDI/SOB"

2 NCUA Letter 08-CU-27, "http://www.ncua.gov/letters/2008/CU/08-CU-27_encl.pdf"

3 "http://www.ncua.gov/ReportsAndPlans/statistics/statistics.html"

4 "http://www.ncua.gov/NCUABoard/draftboardactions/Nov20/Item%201a.pdf"

5 "http://www.ncua.gov/CLF/index.htm"

6 "http://www.mbaa.org/files/Bulletin/InternalResource/60108_"

7 "http://www.c-span.org/Topics/Congress-Legislative.aspx"

8 "http://advice.cuna.org/download/credit_crisis_08.pdf"

9 CUNA, "U.S. Credit Union Profile"

10 Hampel B., "The US Mortgate Crisis" CUNA 2008

11 Sherlund S, "The Past,Present,and Future of Subprime Mortgage" Federal Reserve Board,Washington DC 2008

12 NCUA, "The Federal Credit Union Act"

13 Mizen, P., "The Credit Crunch of 2007-2008" 2008

14 NCUA Letter 07-CU-09, "Subprime Mortgage Lending"

15 NCUA Letter 08-CU-05, "Statement on Reporting Loss Mitigation Efforts of Securitized Subprime Residential Mortgages"

16 NCUA Letter 04-CU-13, "Specialized Lending Activities"

17 NCUA Letter 99-CU-5, "Risk-Based-Lending"

18 NCUA Letter No. 02-FCU-09, "Risk Focused Examination Program"

19 NCUA Letter No. 174, "Risk Based Loans"

20 NCUA Letter 124, "Real Estate Secured Credit by Credit Union Members"

21 NCUA Letter 03-CU-15, "Real Estate Concentrations and Interest Rate Risk Management for Credit Unions with Large Positions in Fixed-Rate Mortgage Portfolios"

22 NCUA Letter 03-CU-11, "Non-Maturity Shares and Balance Sheet Risk"

23 NCUA, "NCUA Yearend Statistics Federally Insured Credit Unions"

24 NCUA Letter 01-CU-19, "Managing Share Inflows in Uncertain Times"

25 NCUA Letter 05-CU-07, "Managing Risks Associated with Home Equity Lending"

26 NCUA Letter 00-CU-13, "Liquity and Balance Sheet Risk Management"

27 NCUA Letter 01-CU-08, "Liability Management-Highly Rate Sensitive and Volatile Funding Sources"

28 NCUA Letter 99-CU-12, Real Estate, "Lending and Balance Sheet Risk Management"

29 NCUA Letter 06-CU-16, "Interagency Guidance on Nontraditional Mortgage Product Risk"

30 NCUA Letter 05-CU-15, "Increasing Risks in Mortgage Lending"

31 NCUA Supervisory Letter, "Increasing Risks in Mortgage Lending"

32 NCUA Letter 08-CU-14, "Illustrations of Consumer Information for Hybrid Adjustable Rate Mortgage Products"

33 U.S. Senate Banking, Housing, and Urban Affairs Committee, "Hearing on the State of the Banking Industry"

34 U.S. House Oversight Committee, "Hearing on the Role of Federal Regulators"

35 U.S. House Oversight Committee, "Hearing on the Credit Rating Agencies"

36 U.S. House Financial Services Committee, "Hearing on Preventing Mortgage Foreclosures"

37 U.S. House Agriculture Committee, "Hearing on Credit Derivatives"

38 NCUA Supervisory Letter 08-CU-20, "Evaluating Current Risks to Credit Unions"

39 Mincer,J., "Credit Unions Offer Lifeline On Mortgages" 2008

40 NCUA Letter 08-CU-25, "Credit Unions Holding Foreclosed Properties as Foreclosed and Repossed Assets"

41 CUNA, "Credit Union News Watch"

42 NCUA Letter 07-CU-07, "Consumer Information for Nontraditional Mortgage Products"

43 Kiviat, B., "Bad Times for Banks Means Boom Times for Credit Unions"

44 Bernanke, B., "Address at the Federal Reserve System Conference on Housing and Mortgage Markets"