Rolling the Dice on Foreclosure Prevention: Differences Across Mortgage Servicers in Loan Modifications and Loan Cure Rates

Mortgage servicing has garnered increased attention since the foreclosure crisis. As the interface between borrowers and investors, servicers make the decision to either grant a loan modification or to foreclose. This study examines servicer loan modification practices for a national sample of delinquent subprime loans, and assesses the extent to which those practices are associated with foreclosures. The research reveals significant differences across servicers in loan cure rates, which are related to servicers’ propensity to offer loan modifications and to the level of relief offered to borrowers. The observed differences across servicers and the implications of this heterogeneity for foreclosure prevention underscore the importance of additional data, research, and policies that can increase the uniformity and transparency of servicing practices.     

Saying all the right things? Gendered discourse in climate-smart agriculture

Amidst debates about the role of ‘climate-smart agriculture’ (CSA), the intersection of concerns about climate change and agriculture offer an opportunity to consider how gender is considered in global policymaking. The latest module in the Food and Agricultural Organization of the United Nations, World Bank and International Fund for Agricultural Development Gender and Agriculture Sourcebook – ‘Gender and Climate Smart Agriculture’ – offers an opportunity to reassess how gender factors into these global recommendations. This contribution argues that the module makes strides toward more gender-aware policymaking, but the version of CSA discussed in the module sidesteps the market-led and productivity-oriented practices often associated with CSA. As a result, though the module pushes a more feminist agenda in many respects, it does not fully consider the gendered implications of corporate-led and trade-driven CSA.     

National survey of professional practice in child sexual abuse

A sample of 276 professionals described how they spend their professional time, their attitudes and knowledge about etiology and treatment of sexual abuse. Professionals were also asked to respond to a case vignette where varied on two dimensions: age of the child victim and relationship of the offender to the victim. Agencies receiving the questionnaire were randomly assigned to one of the six possible scenario conditions resulting from the two dimensions.     

Book reviews

Jeff Haynes, Religion in Global Politics (Longman, London, 1998), 243 pp., ISBN 0–582–29312‐X (pb)

Haleh Afshar, Islam and Feminisms. An Iranian Case‐study (Macmillan, London, 1998), 235 pp., ISBN 0–333–73324‐X (hb)

Felix Moses Edoho, Globalization and the New World Order: Promises, Problems, and Prospects for Africa in the Twenty First Century (Praeger, Westport, 1997), 215 pp., ISBN 0–275–95517–6 (hb)

Cyrus Ernesto Zirakzadeh, Social Movements in Politics. A Comparative Study (Longman, London, 1997), 269 pp., ISBN 0–582–20946–3

Mick Ryan, Lobbying from Below: INQUEST in Defence of Civil Liberties (UCL Press, London, 1996), 208 pp., ISBN 1–85728–225–8 (hb), 1–85728–256–6 (pb)

Grant Jordan and William Maloney, The Protest Business? Mobilizing Campaign Groups (Manchester University Press, Manchester and New York, 1997), 213 pp., ISBN 0–7190–4371–9 (pb)