Federal Reserve Bank of Cleveland. "Mortgage Companies and Regulatory Arbitrage : Working Paper 2012-20R3, Working Paper 12-20R" in Working Paper (Federal Reserve Bank of Cleveland)
(Revised October 2015).
https://fraser.stlouisfed.org/title/4494/item/690539/content/pdf/frbclv_2012-20r3, accessed on March 14, 2026.