Proper compensation during foreclosure is essential to any effort to protect borrowers as consumers. However, the effectiveness of consumer protection and other safety nets during foreclosure has been debated within academia. This study contributes to this debate by exploring socio-economic group differences related to the compensatory potential of foreclosure proceedings. It employs micro-level data on foreclosure auctions in Sweden from 2000 to 2014. The results indicate that there is a correlation between high socio-economic status and a greater potential for compensation and that this is likely not explained by appraiser bias. This article discusses these empirical findings in terms of the need for strict consumer protection regulation and other safety nets, such as alternative mortgage products or debt relief, to ensure that there is a potential for compensation for all borrowers in foreclosure, regardless of socio-economic status.

取消抵押品赎回权期间的适当赔偿对于保护借款人作为消费者的任何努力都是至关重要的。但是，在止赎期间，消费者保护和其他安全网的有效性已在学术界引起争议。这项研究通过探讨与止赎程序的补偿潜力有关的社会经济群体差异，为这场辩论做出了贡献。它使用了从2000年至2014年瑞典止赎拍卖的微观数据。结果表明，较高的社会经济地位与较大的补偿潜力之间存在相关性，并且这可能无法通过评估师的偏见来解释。本文根据严格的消费者保护法规和其他安全网（例如替代抵押产品或债务减免）的需要，讨论了这些经验性发现，