We ask (1) why the United States adopted the car more quickly than other countries before 1929, and (2) why in the United States the car changed from a luxury to a mass market good between 1909 and 1919. We argue that the answer is in part the success of the Model T in the United States and its...

This Data Point provides new information about the types of changes that occur during the mortgage origination process, their size and prevalence, and when they (and other mortgage milestones) occur in the mortgage origination process. This information is taken from a dataset of disclosure forms...