125 Intensified Competition and The Impact on Credit Ratings in the RMBS market Chapter 4 Financial Markets, Institutions & Instruments, 2023, DOI: 10.1111/fmii.12170 V i v i a n MF r. avnakn J B. Fr ea ebmo zezni Dennis Vink Acknowledgement: We thank Markus Brunnermeier and Laura Starks for the invitation to participate in the American Finance Association Conference 2022. We also thank the Editorial Board of the European Central Bank (ECB) Working Paper Series for their review and invitation to publish in the ECB Working Paper Series. Disclaimer: This paper should not be reported as representing the views of the ECB. The views expressed are those of the authors and do not necessarily reflect those of the ECB.
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