UMBC Faculty Collection
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Recent Submissions
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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 ... -
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 ... -
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) -
Kibble-Zurek scaling in quantum speed limits for shortcuts to adiabaticity
(2020-06-08)Geometric quantum speed limits quantify the trade-off between the rate with which quantum states can change and the resources that are expended during the evolution. Counterdiabatic driving is a unique tool from shortcuts ... -
Comparison of Local Powers of Some Exact Tests for a Common Normal Mean with Unequal Variances
(United States Census Bureau, 2020-05-20)The inferential problem of drawing inference about a common mean µ of several independent normal populations with unequal variances has drawn universal attention, and there are many exact tests for testing a null hypothesis ... -
Tolerance limits under zero‐inflated lognormal and gamma distributions
(Wiley, 2020-05-28)The computation of upper tolerance limits is investigated for the zero‐inflated lognormal distribution and the zero‐inflated gamma distribution, with or without covariates. The methodologies investigated consist of a ... -
Taxation, credit frictions and the cyclical behavior of the labor wedge
(Springer Nature, 2020-06-13)Labor-income and consumption taxes are often referred to as the primary causes of the labor wedge and differences in hours worked across countries. While this can be potentially true in the long run, its premise for ... -
Using radio triangulation to understand the origin of two subsequent type II radio bursts
(EDP sciences, 2020-05-07)Context. Eruptive events such as coronal mass ejections (CMEs) and flares accelerate particles and generate shock waves which can arrive at Earth and can disturb the magnetosphere. Understanding the association between ...
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