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Fair Lending Race And Gender Data Are Limited For Non Mortgage Lending
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Download or read book Fair Lending written by Orice M. Williams and published by DIANE Publishing. This book was released on 2009 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Reserve Board¿s (FRB) Regulation B prohibits lenders from collecting certain data from loan applicants, such as their race or gender, for non-mortgage loans (e.g., small bus. loans). FRB has stated that this provision of Regulation B minimizes the chances that lenders would use such data in an unlawful and discriminatory manner. However, others argue that the prohibition limits the capacity of researchers and regulators to identify discrimination in non-mortgage lending. This report analyzes: studies on possible discrimination in non-mortgage lending and the data used in them; FRB¿s 2003 decision to retain the prohibition of voluntary data collection; and the benefits and costs of a data collection and reporting requirement.
Author :United States Government Accountability Office Publisher :Createspace Independent Publishing Platform ISBN 13 :9781983883729 Total Pages :42 pages Book Rating :4.8/5 (837 download)
Book Synopsis Fair Lending by : United States Government Accountability Office
Download or read book Fair Lending written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2018-01-16 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fair Lending: Race and Gender Data Are Limited for Nonmortgage Lending
Book Synopsis Fair Lending by : United States Accounting Office (GAO)
Download or read book Fair Lending written by United States Accounting Office (GAO) and published by Createspace Independent Publishing Platform. This book was released on 2018-05-21 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fair Lending: Race and Gender Data Are Limited for Nonmortgage Lending
Book Synopsis Fair Lending :. by : United States. Government Accountability Office
Download or read book Fair Lending :. written by United States. Government Accountability Office and published by . This book was released on 2008 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Lending : Race and Gender Data are Limited for Nonmortgage Lending by :
Download or read book Fair Lending : Race and Gender Data are Limited for Nonmortgage Lending written by and published by . This book was released on 2008 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Fair Lending written by and published by . This book was released on 2008 with total page 17 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Lending: Race and Gender Data Are Limited for Non-Mortgage Lending by : Orice M. Williams
Download or read book Fair Lending: Race and Gender Data Are Limited for Non-Mortgage Lending written by Orice M. Williams and published by DIANE Publishing. This book was released on 2009 with total page 21 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Fed. Reserve Board¿s (FRB) Regulation B prohibits lenders from collecting certain data from loan applicants, such as their race or gender, for non-mortgage loans (e.g., small business loans). This provision minimized the chances that lenders would use such data in an unlawful and discriminatory manner. However, others argue that the prohibition limits the capacity of researchers and regulators to identify possible discrimination in non-mortgage lending. This testimony discusses an analysis of: (1) studies on possible discrimination in non-mortgage lending and the data used in them; (2) FRB¿s 2003 decision to retain the prohibition of voluntary data collection; and (3) the benefits and costs of a data collection and reporting requirement.
Book Synopsis Searching for Age and Gender Discrimination in Mortgage Lending by : Jason Dietrich
Download or read book Searching for Age and Gender Discrimination in Mortgage Lending written by Jason Dietrich and published by . This book was released on 2005 with total page 28 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 743 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 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 Classifying Applicants for Fair Lending Analyses by : Jason Dietrich
Download or read book Classifying Applicants for Fair Lending Analyses written by Jason Dietrich and published by CreateSpace. This book was released on 2015-01-01 with total page 74 pages. Available in PDF, EPUB and Kindle. Book excerpt: Testing for discrimination in mortgage lending requires classifying consumers into treatment groups and control groups. Although this may seem like a straightforward task, it is actually quite complicated. Home Mortgage Disclosure Act (HMDA) data, the primary source of data for these analyses, contain information on the ethnicity, race, and gender for both primary and coapplicants. In addition, applicants have the option of reporting up to five races. Using these detailed data to construct the standard groups, such as "Black," "Hispanic," and "White," requires subjective decisions on how to appropriately aggregate applications.
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations Publisher : ISBN 13 : Total Pages :224 pages Book Rating :4.0/5 ( download)
Book Synopsis GAO Report on Regulation B by : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Download or read book GAO Report on Regulation B written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2008 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection Publisher : ISBN 13 : Total Pages :288 pages Book Rating :4.:/5 (319 download)
Book Synopsis Consumer Protection in the Used and Subprime Car Market by : United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection
Download or read book Consumer Protection in the Used and Subprime Car Market written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection and published by . This book was released on 2011 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Report on the Activity of the Committee on Financial Services for the One Hundred Tenth Congress by : United States. Congress. House. Committee on Financial Services
Download or read book Report on the Activity of the Committee on Financial Services for the One Hundred Tenth Congress written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2009 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Report on the Activity of the Committee on Financial Services for the 110th Congress, January 2, 2009, 110-2 House Report 110-929 by :
Download or read book Report on the Activity of the Committee on Financial Services for the 110th Congress, January 2, 2009, 110-2 House Report 110-929 written by and published by . This book was released on 2009 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Federal Housing Finance Agency by : William B. Shear
Download or read book Federal Housing Finance Agency written by William B. Shear and published by DIANE Publishing. This book was released on 2011 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a print on demand edition of a hard to find publication. The Fed. Home Loan Bank System is a government-sponsored enterprise comprising 12 regionally-based Federal Home Loan Banks (FHLB), the primary mission of which is to support housing finance and community and economic development. Each FHLB makes loans (advances) to member financial institutions in its district, such as banks, which traditionally are secured by single-family mortgages. In 1999, the Gramm-Leach-Bliley Act authorized FHLB to accept alternative forms of collateral, such as agricultural and small business loans, from small members. This report assessed: (1) factors that may limit the use of alternative collateral; and (2) selected aspects of the Federal Housing Finance Agency's related regulatory oversight practices. Illus.
Book Synopsis Fair Lending by : Orice Williams Brown
Download or read book Fair Lending written by Orice Williams Brown and published by DIANE Publishing. This book was released on 2010 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) -- the "fair lending laws" -- prohibit discrimination in lending. Responsibility for their oversight is shared among three enforcement agencies -- HUD, the FTC, and Dept. of Justice -- and five depository institution regulators -- the FDIC, the Fed. Reserve, Nat. Credit Union Admin., Office of the Comptroller of the Currency, and the Office of Thrift Supervision. This report examines: (1) data used by agencies and the public to detect potential violations and options to enhance the data; (2) fed. oversight of lenders that are identified as at heightened risk of violating the fair lending laws; and (3) recent cases involving fair lending laws and associated enforcement challenges. Illus.
