Alan Brener is Deputy Director of the Centre for Ethics and Law at University College London and a Teaching Fellow at University College London’s Law Faculty. He has a PhD from Queen Mary University of London and LLM from UCL. He has worked for many years in financial services and its regulation.

• List of figures Acknowledgements 1 Introduction – housing, mortgages and society 2 Macroprudential policies: rationale, scope and issues 3 Macroprudential policy instruments 4 US mortgage conduct of business regulatory policy 5 Conduct of business mortgage regulation in the UK 6 The political legitimacy of using macroprudential policy instruments 7 US Federal intervention in the housing market and possible lessons from the Veterans Administration 8 Housing markets: the political and macroprudential policy implications 9 Conclusion Appendix: list of abbreviations Bibliography Index

Alan Brener is Deputy Director of the Centre for Ethics and Law at University College London and a Teaching Fellow at University College London’s Law Faculty. He has a PhD from Queen Mary University of London and LLM from UCL. He has worked for many years in financial services and its regulation.

• List of figures Acknowledgements 1 Introduction – housing, mortgages and society 2 Macroprudential policies: rationale, scope and issues 3 Macroprudential policy instruments 4 US mortgage conduct of business regulatory policy 5 Conduct of business mortgage regulation in the UK 6 The political legitimacy of using macroprudential policy instruments 7 US Federal intervention in the housing market and possible lessons from the Veterans Administration 8 Housing markets: the political and macroprudential policy implications 9 Conclusion Appendix: list of abbreviations Bibliography Index

Alan Brener is Deputy Director of the Centre for Ethics and Law at University College London and a Teaching Fellow at University College London’s Law Faculty. He has a PhD from Queen Mary University of London and LLM from UCL. He has worked for many years in financial services and its regulation.

• List of figures Acknowledgements 1 Introduction – housing, mortgages and society 2 Macroprudential policies: rationale, scope and issues 3 Macroprudential policy instruments 4 US mortgage conduct of business regulatory policy 5 Conduct of business mortgage regulation in the UK 6 The political legitimacy of using macroprudential policy instruments 7 US Federal intervention in the housing market and possible lessons from the Veterans Administration 8 Housing markets: the political and macroprudential policy implications 9 Conclusion Appendix: list of abbreviations Bibliography Index