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Rooting Out Discrimination In Mortgage Lending
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Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations Publisher : ISBN 13 : Total Pages :460 pages Book Rating :4.:/5 (327 download)
Book Synopsis Rooting Out Discrimination in Mortgage Lending by : United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations
Download or read book Rooting Out Discrimination in Mortgage Lending written by United States. Congress. House. Committee on Financial Services. Subcommittee on Oversight and Investigations and published by . This book was released on 2007 with total page 460 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.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs Publisher : ISBN 13 : Total Pages :314 pages Book Rating :4.F/5 ( download)
Book Synopsis Discrimination in Home Mortgage Lending by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs
Download or read book Discrimination in Home Mortgage Lending written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs and published by . This book was released on 1990 with total page 314 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortgage Lending Discrimination by : United States. Congress. House. Committee on Financial Services
Download or read book Mortgage Lending Discrimination written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2008 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Discrimination in Mortgage Lending by : Robert Schafer
Download or read book Discrimination in Mortgage Lending written by Robert Schafer and published by MIT Press (MA). This book was released on 1981 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book substitutes rigorous and systematic analysis for the undocumented claims that have characterized the debate on "redlining"--the denial of mortgage money to poorer neighborhoods. In addition, Schafer and Ladd discuss discrimination against individuals, appraisal practices, and the likelihood of default, analyze recent policy decisions, and recommend a range of new policies. The thorough documentation that supports this analysis was obtained through an examination of individual mortgage applications--denials as well as approvals--in New York and California, the only two states in which such data is available, its disclosure mandated under state law.One of the book's major findings is that discrimination in home financing is based far more on an individual's race than on the location of the property--that although the redlining debate has turned on the issue of geographic discrimination, the underlying reality is one of racial discrimination, and individuals are more often the targets than are neighborhoods.After an introductory chapter, "Discrimination in Mortgage Lending" takes up default risk in mortgage lending, appraisal practices, the flow of funds, lending decision models, the decision to lend in California, mortgage credit terms in California, the decision to lend in New York, mortgage credit terms in New York, a summary of results, and recommendations.
Book Synopsis What We Know about Mortgage Lending Discrimination in America by :
Download or read book What We Know about Mortgage Lending Discrimination in America written by and published by . This book was released on 1999 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortgage Money, who Gets It? by : United States Commission on Civil Rights
Download or read book Mortgage Money, who Gets It? written by United States Commission on Civil Rights and published by . This book was released on 1974 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs Publisher : ISBN 13 : Total Pages :368 pages Book Rating :4.0/5 (1 download)
Book Synopsis Mortgage Discrimination by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs
Download or read book Mortgage Discrimination written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs and published by . This book was released on 1990 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States Commission on Civil Rights. District of Columbia Advisory Committee Publisher : ISBN 13 : Total Pages :64 pages Book Rating :4.3/5 ( download)
Book Synopsis Residential Mortgage Lending Disparities in Washington, D.C. by : United States Commission on Civil Rights. District of Columbia Advisory Committee
Download or read book Residential Mortgage Lending Disparities in Washington, D.C. written by United States Commission on Civil Rights. District of Columbia Advisory Committee and published by . This book was released on 1998 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Discrimination in Financial Services by : George J. Benston
Download or read book Discrimination in Financial Services written by George J. Benston and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 227 pages. Available in PDF, EPUB and Kindle. Book excerpt: Equal treatment in access to credit has long been a fundamental social goal in the United States. However, despite the passage of several laws in the U.S. prohibiting discrimination in the provision of financial services on the basis of race, gender, and marital status, among other factors, questions concerning the existence of racial discrimination in such areas as home mortgage loans and small business credit continue, and confound public policy makers. This book is composed of nine articles and a panel discussion, originally published as a special issue of the Journal of Financial Services Research. These contributions explore the complex issue of discrimination in financial services.
Book Synopsis Truth in Business and Home Lending Discrimination by : Wilbert Smith Jr
Download or read book Truth in Business and Home Lending Discrimination written by Wilbert Smith Jr and published by AuthorHouse. This book was released on 2008-01-02 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although the existence of statistical disparities between whites and minorities in the extension home mortgage loans is acknowledged by all parties, disagreement exists as to the reasons for these disparities. Equal opportunity activists contend that racial discrimination by mortgage lending institutions is a contributing, if not the primary, source of these patterns. Other parties, however, suggest that the patterns reflect fundamental differences in the economic circumstances of population groups.
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 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 Mortgage Lending, Racial Discrimination, and Federal Policy by :
Download or read book Mortgage Lending, Racial Discrimination, and Federal Policy written by and published by . This book was released on 1996 with total page 743 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs Publisher : ISBN 13 : Total Pages :394 pages Book Rating :4.X/5 (1 download)
Book Synopsis Discriminatory Mortgage Lending Patterns by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs
Download or read book Discriminatory Mortgage Lending Patterns written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs and published by . This book was released on 1990 with total page 394 pages. Available in PDF, EPUB and Kindle. Book excerpt:
