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Credit Discrimination
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Book Synopsis The Color of Credit by : Stephen L. Ross
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Book Synopsis Credit Discrimination by : Alys I. Cohen
Download or read book Credit Discrimination written by Alys I. Cohen and published by . This book was released on 2009 with total page 548 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Discrimination by : Deanne Loonin
Download or read book Credit Discrimination written by Deanne Loonin and published by . This book was released on 2005 with total page 496 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Equal Credit Opportunity Act by : Gerry Azzata
Download or read book Equal Credit Opportunity Act written by Gerry Azzata and published by . This book was released on 1988 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Discrimination by : Jeremiah Battle
Download or read book Credit Discrimination written by Jeremiah Battle and published by . This book was released on 2013 with total page 502 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Discrimination in Consumer Credit by : Felix Chin
Download or read book Discrimination in Consumer Credit written by Felix Chin and published by . This book was released on 1981 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Discrimination by : Deanne Loonin
Download or read book Credit Discrimination written by Deanne Loonin and published by . This book was released on 2002 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Discrimination by : United States Congress. House. Banking and Currency Committee
Download or read book Credit Discrimination written by United States Congress. House. Banking and Currency Committee and published by . This book was released on 1974 with total page 1396 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs Publisher : ISBN 13 : Total Pages :148 pages Book Rating :4.3/5 (91 download)
Book Synopsis To Amend the Equal Credit Opportunity Act of 1974 by : United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs
Download or read book To Amend the Equal Credit Opportunity Act of 1974 written by United States. Congress. House. Committee on Banking, Currency, and Housing. Subcommittee on Consumer Affairs and published by . This book was released on 1975 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Discrimination by : United States. General Accounting Office
Download or read book Credit Discrimination written by United States. General Accounting Office and published by . This book was released on 1990 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis At the Boundaries of Homeownership by : Chloe N. Thurston
Download or read book At the Boundaries of Homeownership written by Chloe N. Thurston and published by Cambridge University Press. This book was released on 2018-05-03 with total page 275 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, homeownership is synonymous with economic security and middle-class status. It has played this role in American life for almost a century, and as a result, homeownership's centrality to Americans' economic lives has come to seem natural and inevitable. But this state of affairs did not develop spontaneously or inexorably. On the contrary, it was the product of federal government policies, established during the 1930s and developed over the course of the twentieth century. At the Boundaries of Homeownership traces how the government's role in this became submerged from public view and how several groups who were locked out of homeownership came to recognize and reveal the role of the government. Through organizing and activism, these boundary groups transformed laws and private practices governing determinations of credit-worthiness. This book describes the important policy consequences of their achievements and the implications for how we understand American statebuilding.
Book Synopsis Credit to the Community by : Dan Immergluck
Download or read book Credit to the Community written by Dan Immergluck and published by Routledge. This book was released on 2016-07-08 with total page 331 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Book Synopsis Credit Discrimination by : Deanne Loonin
Download or read book Credit Discrimination written by Deanne Loonin and published by . This book was released on 2005 with total page 450 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortgage Lending, Racial Discrimination and Federal Policy by : John Goering
Download or read book Mortgage Lending, Racial Discrimination and Federal Policy written by John Goering and published by Routledge. This book was released on 2018-12-20 with total page 665 pages. Available in PDF, EPUB and Kindle. Book excerpt: First published in 1997, this volume features a wealth of contributions discussing mortgage lending discrimination and the role of the FHA, fair lending enforcement and the Decatur case, along with the future of mortgage discrimination research. This key civil rights debate in the wake of the Fair Housing Act 25 years prior is evaluated and clarified through rigorous review of fair lending research, applied projects and enforcement activities to date. It argues forcefully that the right to take out a mortgage to buy a home should be conditioned only upon one’s credit worthiness and not on one’s race or ethnic group.
Book Synopsis Credit Discrimination by : National Consumer Law Center Staff
Download or read book Credit Discrimination written by National Consumer Law Center Staff and published by . This book was released on 1994 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis What We Know About Mortgage Lending Discrimination in America by : Margery Austin Turner
Download or read book What We Know About Mortgage Lending Discrimination in America written by Margery Austin Turner and published by DIANE Publishing. This book was released on 2000-07 with total page 69 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. Department of Housing and Human Development (HUD) presents the report "What We Know About Mortgage Lending Discrimination in America." The report outlines how discrimination can affect access to mortgage capital for minorities.
Book Synopsis Does Credit Scoring Produce a Disparate Impact? by : Robert B. Avery
Download or read book Does Credit Scoring Produce a Disparate Impact? written by Robert B. Avery and published by DIANE Publishing. This book was released on 2010 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
