| Monday 3:00 - 4:45 p.m. SEA  | 
						Session 15M Mortgage and Housing Market Studies  | 
            
Session Chairs:  | 
          Sourav Batabyal, The State University of New York at Fredonia  | 
Papers:  | 
					
           "The Effects of Bank Mergers on Mortgage Interest Rates" "Minorities and Racial Disparities: Reasons for Mortgage Credit Denial" "The Effect of the Federal Reserve’s Financial Accelerator Mechanism on the U.S. Housing Market"  | 
            
Discussants:  | 		
          Wan-Shin (Cindy) Mo, Chung Yuan Christian University  |