STUDIES:

2007 Book publication on US Mortgage Market Crisis (ISBN 978-3-87169-545-2), Domus-Verlag, Berlin (Deutsch) 

2007 Study with Mercer Oliver Wyman on mortgage distribution in Europe

2006 EU Mortgage Funding Expert Group, final report

2006 KfW Housing Finance in Emerging Markets, Chapter on Regulations (forthcoming book publication 2008)

2006 EU-Tacis-funded paper on Mortgage Consumer Protection in Ukraine

2006 Policy paper on mortgage prepayment in Europe, for Verband deutscher Hypothekenbanken

2005 Article on European mortgage market integration

2005 Study with London Economics on Mortgage Credit Costs and Benefits, for DG Markt of the EU Commission

2005 Evaluation of Forum Group Recommendations on EU Mortgage Market Integration, personal comment (August 2005)

CONSULTING WORK (SELECTION):

2010 Commenting on US covered bond law development, for US client

2008 Evalution of investment and technical assistance options in low-income housing finance in Brazil, for International Finance Corporation

2008 Covered bond and early repayment legislation for Uruguay, for World Bank (April-June 2008)

2008 Preparation of technical assistance in housing finance and rental housing in West Bank Gaza, for World Bank

2006 Legislation on mortgage consumer protection in Ukraine, various workshops, for EU-Tacis

2004-2006 Development of primary and secondary mortgage market legislation in Turkey, for Deloitte Emerging Markets Group/Washington, D.C.

2004 Housing finance liberalization assessment in the Islamic Republic of Iran, for National Housing Council under World Bank loan

2003 Study on financial, fiscal and housing policy effects of contract savings for housing in the Czech Republic and Slovakia, for Financial Sector Development Department of the World Bank

2000 Technical and policy note on housing finance in Brazil - the legacy of the Sistema Financiera Habitacional, for Latin America and the Caribbean Office of the World Bank, with Baralides Alberdi

OTHER PUBLICATIONS / PRESENTATIONS:

2006 Long presentation on early repayment legal models and financial costs in Europe

2005 Study with Mercer Oliver Wyman on risk and funding of mortgage lending in Europe, for Mortgage Insurance Trade Association

2003 Study with Mercer Oliver Wyman on the integration of European mortgage markets, for European Mortgage Federation

AND SOME 1990s WORK

1995 Risk-based capital requirements and commercial mortgage credit risk, Fritz-Knapp Verlag Frankfurt Amazon.com link.

1997 empirica study on the transferability of the EU Consumer Credit Directive to mortgage lending, for DG Sanco of the EU Commission

1997 Mortgage Prepayment: An International Comparison, Paper presented at the American Urban Economics and Real Estate Association Conference, Berkeley with Michael Lea.