ScholarWorks@UMBC: Recent submissions
Now showing items 1-20 of 3250
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Loan Loss Reserve Accounting and Bank Behavior
(2012-03) -
Predatory lending practices and subprime foreclosures: Distinguishing impacts by loan category
(Elsevier, 2007-10-10)A recent dramatic rise in subprime foreclosures has led to calls for restrictions against a range of loan features loosely termed “predatory.” Several cities and states have enacted regulations to curb predatory practices, ... -
Loan loss provisions, accounting constraints, and bank ownership structure
(Elsevier, 2014-12-31)We examine bank-level changes in the relationship between earnings and loan loss provisioning, a measure of earnings management, following the tightening of accounting constraints associated with the SEC's 1998 SunTrust ... -
Origination Channel, Prepayment Penalties, and Default
(Wiley, 2012-01-18)This article presents evidence that nonbank‐originated subprime mortgages have a higher probability of default than bank‐originated subprime mortgages, but only for loans with prepayment penalties. Evidence also indicates ... -
Geographic Variation in Subprime Loan Features, Foreclosures, and Prepayments
(MIT Press, 2013-05-13)Using data on subprime mortgages from ten cities, I examine geographic variation in the effects of prepayment penalties, balloon loans, and reduced documentation on the probabilities of foreclosure and prepayment. Results ... -
Earnings, risk-taking, and capital accumulation in small and large community banks
(Elsevier, 2019-03-09)We examine the relationships between ownership structure and both earnings and risk-taking among community banks before, during, and after the US financial crisis. We find that publicly-held small community banks had lower ... -
Medical Homes: A Comparison of the Factors that Predict Utilization across the Lifespan
(Marshfield Clinic, 2010-12-01) -
Ethnicity and Race Variations in Receipt of Surgery among Veterans with and without Depression
(Hindawi, 2011-10-12)To examine equity in one aspect of care provision in the Veterans Health Administration, this study analyzed factors associated with receipt of coronary artery bypass graft (CABG), vascular, hip/knee, or digestive system ... -
A Review of Our Roots: Blacks in Gerontology
(Oxford University Press, 2013-09-10) -
The Use of Online Health-Management Tools and Health Care Utilization among Older Americans
(Oxford University Press, 2020-07-07)Background and Objectives The digital divide, or differences in access to technology, can have far-reaching consequences. This study identified disparities in access to online health-related technology. It then investigated ... -
Regional variation in states’ naloxone accessibility laws in association with opioid overdose death rates-Observational study (STROBE compliant)
(Wolters Kluwer Health, 2020-03-26)Though overall death from opioid overdose are increasing in the United States, the death rate in some states and population groups is stabilizing or even decreasing. Several states have enacted a Naloxone Accessibility ... -
Associations among physical activity, body mass index, and health‐related quality of life by race/ethnicity in a diverse sample of breast cancer survivors
(Wiley, 2012-01-17)BACKGROUND: Health‐related quality of life (HRQOL), body mass index (BMI), and physical activity (PA) levels have all been associated with prognosis following breast cancer and may explain partially the higher mortality ... -
Self-reported colorectal cancer screening of Medicare beneficiaries in family medicine vs. internal medicine practices in the United States: a cross-sectional study
(Springer Nature, 2012-03-21)Background The benefit of screening for decreasing the risk of death from colorectal cancer (CRC) has been shown, yet many patients in primary care are still not undergoing screening according to guidelines. There are ... -
Maximizing optical production of metastable xenon
(2020-06-05)The wide range of applications using metastable noble gas atoms has led to a number of different approaches for producing large metastable state densities. Here we investigate a recently proposed hybrid approach that ... -
Telepsychotherapy With Youth at Clinical High Risk for Psychosis: Clinical Issues and Best Practices During the COVID-19 Pandemic
(American Psychological Association, 2020-04-22) -
Institutional Collective Action During Covid‐19: Lessons in local economic development
(Wiley, 2020-05-30)At this point, little is known about local government responses to the economic crisis caused by COVID‐19. This crisis is happening on Main Streets around the nation. This article examines how some local governments are ... -
Exploring the Trade-Offs Local Governments Make in the Pursuit of Economic Growth and Equity
(SAGE, 2020-06-03)Economic development at the municipal level often necessitates that local governments make trade-offs between firm- and locality-based strategies. In recent decades, economic development researchers have described these ... -
How Can Local Governments Address Pandemic Inequities?
(Wiley, 2020-06-02)COVID‐19 is exposing a nexus between communities disproportionately suffering from underlying health conditions, policy‐reinforced disparities, and susceptibility to the disease. As the virus spreads, policy responses will ... -
Sensor Techknowledge: Sensors for Process Development: A Practical Guide
(UMBC Center for Advanced Sensor Technology and Department of Biochemical and Environmental Engineering, 2020-07-05)