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dc.contributor.authorRajapakse, Pelmaen_US
dc.contributor.authorRajapakse, Surien_US
dc.contributor.editorIain G. MacNeil, University of Glasgowen_US
dc.date.accessioned2017-04-24T10:10:10Z
dc.date.available2017-04-24T10:10:10Z
dc.date.issued2011en_US
dc.date.modified2011-09-30T04:22:59Z
dc.identifier.issn17521440en_US
dc.identifier.doi10.5235/175214411796505615en_AU
dc.identifier.urihttp://hdl.handle.net/10072/41086
dc.description.abstractThe purpose of this article is to analyse how Australia's regulatory framework for housing finance mitigates various risks in mortgage lending and promotes positive market outcomes and system stability. The article first considers the main bodies involved in the regulation of residential mortgages, their roles and the type of regulations enforced by each regulator in relation to housing finance in Australia. The key regulators identified in this article include the Reserve Bank of Australia, the Australian Prudential Regulation Authority, the Australian Securities and Investments Commission and the Australian Competition and Consumer Commission. This part focuses on the post-financial crisis regulatory changes in housing finance, including revisions to existing regulations and introduction of new regulations. The article then discusses the implications of regulation for mortgage markets and players, practices and conduct. This section reviews mortgage lending practices in Australia that can be viewed as either particularly prudent or particularly risky. Finally, the article analyses the impact of regulation on promoting positive market outcomes, including housing finance system stability in Australia.en_US
dc.description.peerreviewedYesen_US
dc.description.publicationstatusYesen_AU
dc.languageEnglishen_US
dc.language.isoen_AU
dc.publisherHart Publishingen_US
dc.publisher.placeUnited Kingdomen_US
dc.relation.ispartofstudentpublicationNen_AU
dc.relation.ispartofpagefrom290en_US
dc.relation.ispartofpageto305en_US
dc.relation.ispartofissue4en_US
dc.relation.ispartofjournalLaw and Financial Markets Reviewen_US
dc.relation.ispartofvolume5en_US
dc.rights.retentionYen_AU
dc.subject.fieldofresearchFinancial Institutions (incl. Banking)en_US
dc.subject.fieldofresearchcode150203en_US
dc.titleImpact of the regulatory regime on promoting the housing finance market in Australiaen_US
dc.typeJournal articleen_US
dc.type.descriptionC1 - Peer Reviewed (HERDC)en_US
dc.type.codeC - Journal Articlesen_US
gro.date.issued2011
gro.hasfulltextNo Full Text


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