{"id":"W6890295953","doi":"10.34989/swp-2022-28","title":"Unregulated Lending, Mortgage Regulations and Monetary Policy","year":2022,"lang":"en","type":"article","venue":"Econstor (Econstor)","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Bank of Canada","funders":"","keywords":"Monetary policy; Debt; Macroprudential regulation; Intermediation; Financial intermediary; Mortgage insurance; Resilience (materials science); Shared appreciation mortgage; Credit channel","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow","insufficient_payload"],"consensus_categories":[],"category_scores_codex":[0.0009027685,0.0003346147,0.0006616077,0.0009291762,0.0009677032,0.0001353797,0.0003623382,0.0001377892,0.005250256],"category_scores_gemma":[0.0001085979,0.0004829752,0.0002042088,0.0004324913,0.0002921092,0.0004568229,0.0003379349,0.0004224018,0.0004042466],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000664965,"about_ca_system_score_gemma":0.0001633395,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0007339171,"about_ca_topic_score_gemma":0.000117192,"domain_scores_codex":[0.9974752,0.00006332116,0.0009815488,0.0008064149,0.00005509482,0.0006184425],"domain_scores_gemma":[0.9984003,0.0001266963,0.0005525216,0.00064953,0.00001975667,0.0002512265],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00002705228,0.00009703807,0.8926359,0.00001964203,0.0001199782,0.00001433671,0.0005759438,0.0008975795,0.00002551413,0.09661201,0.007696275,0.00127868],"study_design_scores_gemma":[0.002097299,0.0001878639,0.6384583,0.00001844493,0.00004177024,0.000315216,0.0005392167,0.01707969,0.00003612534,0.03932211,0.3003793,0.001524671],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8489333,0.001276015,0.0001119884,0.001060117,0.001230325,0.0002787587,0.0004126073,0.0001692848,0.1465276],"genre_scores_gemma":[0.9931414,0.0002828575,0.0005791584,0.0004981017,0.0003492028,0.00007190934,0.00009958028,0.00007921698,0.004898642],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.2926831,"threshold_uncertainty_score":0.9997622,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0189709382863904,"score_gpt":0.2128691429326755,"score_spread":0.1938982046462851,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}