The overlapping state and federal laws governing residential mortgage lending constitute a critical backdrop to the Global Financial Crisis of 2007-08. The regulations of the mortgage market helped determine the severity of the crisis throughout the nation and for each state.

For in-depth analyses on specific legislation, please explore our legislative memos page.



We curated interactive timelines of important United States legislation, at both the state and national levels, affecting the residential mortgage market before, during, and after the Global Financial Crisis.

United States
North Carolina