Endre J. Reite Norwegian University of Science and Technology, NTNU Business School   Tunvegen 6 Trondheim, 7058 Norway   endre.reite@gmail.com   www.ntnu.no   Biographical Sketch: Executive director of retail banking in BN Bank ASA, with 24 years experience from baning industry. Part time position at NTNU researching banking, and banking regulations. CFA charterholder, and Ph.D. in economics and management.   Primary Research Focus: Mortgage lending, Household finance and Financial regulations.   JEL Areas: D1 : Household Behavior: General E4 : Money and Interest Rates: General