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Fair Lending Enforcement And The Data On The 1992 Home Mortgage Disclosure Act Hmda
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Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :160 pages Book Rating :4.0/5 ( download)
Book Synopsis Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act (HMDA) by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act (HMDA) written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1994 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act (Hmda) by : United States Congress Senate Banking
Download or read book Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act (Hmda) written by United States Congress Senate Banking and published by . This book was released on 2015-08-05 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Excerpt from Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act (Hmda): Hearing Before the Committee on Banking, Housing, and Urban Affairs United States Senate One Hundred Third Congress First Session The committee met at 10:08 a.m., in room SD-538 of the Dirksen Senate Office Building, Senator Donald W. Riegle, Jr. (chairman of the committee) presiding. Opening Statement Of Chairman Donald W. Riegle, Jr. The Chairman. The committee will come to order. Let me welcome all those in attendance this morning. I want to particularly welcome at the outset our distinguished Attorney General of the United States who is with us, and our Secretary of the Department of Housing and Urban Affairs. After we have heard from them, we have other distinguished witnesses later in the morning which I'll introduce at that time. We are meeting here today to consider the 1992 Home Mortgage Disclosure Act data, referred to as the HMDA data, and with that, the administration's fair lending enforcement efforts. This hearing is part of a long, continuing effort by this committee to confront and finally eliminate the problem of racial discrimination in lending here in the United States. During my tenure as chairman of the committee, we have given this issue an absolute top priority, equal to any other that we've been asked to confront because combating lending discrimination is really essential to making the whole concept of America work for all of our citizens. In the past, the Home Mortgage Disclosure Act data has suggested a very stark disparity in lending between minority applicants and nonminority or white applicants. And unfortunately, the 1992 HMDA data, which we are going to review today, seems to indicate that that problem continues to persist. The problem of lending discrimination is not only morally wrong, but it is illegal. It violates the laws of this land and therefore, must be stopped where it is found. Redlining, housing discrimination, and all forms of lending discrimination were outlawed by the law of this country under the Fair Housing Act of 1968 and the Equal Credit Opportunity Act of 1974. And specific legislation to end the credit plight of low-income and minority persons did not end with those two landmark pieces of legislation. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.
Book Synopsis Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure ACT (Hmda) by : United States Congress Senate Committ
Download or read book Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure ACT (Hmda) written by United States Congress Senate Committ and published by Palala Press. This book was released on 2015-09-06 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Book Synopsis Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act by : United States. Congress. Senate. Committ
Download or read book Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act written by United States. Congress. Senate. Committ and published by Hardpress Publishing. This book was released on 2013-12 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unlike some other reproductions of classic texts (1) We have not used OCR(Optical Character Recognition), as this leads to bad quality books with introduced typos. (2) In books where there are images such as portraits, maps, sketches etc We have endeavoured to keep the quality of these images, so they represent accurately the original artefact. Although occasionally there may be certain imperfections with these old texts, we feel they deserve to be made available for future generations to enjoy.
Book Synopsis Home Mortgage Disclosure Act : newly collected data and what it means : hearing by :
Download or read book Home Mortgage Disclosure Act : newly collected data and what it means : hearing written by and published by DIANE Publishing. This book was released on with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher : ISBN 13 : Total Pages :476 pages Book Rating :4.F/5 ( download)
Book Synopsis Home Mortgage Disclosure Act by : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Download or read book Home Mortgage Disclosure Act written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and published by . This book was released on 2007 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage Publisher : ISBN 13 : Total Pages :1782 pages Book Rating :4.F/5 ( download)
Book Synopsis Home Mortgage Disclosure Act by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Download or read book Home Mortgage Disclosure Act written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1992 with total page 1782 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :140 pages Book Rating :4.3/5 (91 download)
Book Synopsis Implementation and enforcement of fair mortgage lending laws and regulations by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book Implementation and enforcement of fair mortgage lending laws and regulations written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1980 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Reporting Issues Under the Home Mortgage Disclosure Act by :
Download or read book Reporting Issues Under the Home Mortgage Disclosure Act written by and published by . This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Office of the Comptroller of the Currency (OCC), for example, is a federal agency that uses the HMDA data to assist with its fair lending and Community Reinvestment Act (CRA) examinations of nationally chartered banks.9 Reporting Issues Prior to 2008 Redlining and Frequency of Rejection. [...] At the time, the rate-spread was defined as the difference between the annual percentage rate (APR), which is the annual total cost of a loan, and the rate on U. S. Treasury securities of comparable maturity. [...] Given that mortgage loans are often priced on rates that better reflect the expected life-span of the loan (as opposed to rates that match the entire mortgage term), the HMDA data can reflect a duration-matching problem rather than a problem of excessive higher-priced lending.20. [...] CRS-6 and there would be an increase in the number of ARMS reported as high-priced loans.21 Recent Modifications to Regulation C To address some concerns described above, the Federal Reserve has changed the benchmark rate used to calculate the rate-spread for reporting HMDA loans.22 The Federal Reserve proposes use of the average mortgage rates found in the Primary Mortgage Market Survey (PMMS) co [...] A loan is considered to be a HOEPA loan if either the APR exceeds the rate of a comparable Treasury security by more than 8 percentage points on a first mortgage, 10 percentage points on a second mortgage, or if the consumer pays total points and fees exceeding the larger of $561 or 8% of the total loan amount.25.
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.
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance Publisher : ISBN 13 : Total Pages :816 pages Book Rating :4.:/5 (327 download)
Book Synopsis Home Mortgage Disclosure Act Extension Amendments by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance
Download or read book Home Mortgage Disclosure Act Extension Amendments written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance and published by . This book was released on 1980 with total page 816 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A Guidebook, Home Mortgage Disclosure Act and Reinvestment Strategies by : National Training and Information Center (Chicago, Ill.)
Download or read book A Guidebook, Home Mortgage Disclosure Act and Reinvestment Strategies written by National Training and Information Center (Chicago, Ill.) and published by . This book was released on 1979 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fair Lending by : DIANE Publishing Company
Download or read book Fair Lending written by DIANE Publishing Company and published by DIANE Publishing. This book was released on 1996-12 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: Federal Fair Lending Laws, enacted in 1968 and 1974, prohibit discrimination in all forms of credit transactions, including consumer and business loans as well as mortgage loans. This report reviews federal efforts to strengthen enforcement of the fair lending laws, discusses the challenges federal regulators face in their efforts to detect discrimination and ensure compliance, and recommends actions to meet some of those challenges. Charts and tables.
Book Synopsis Monthly Catalogue, United States Public Documents by :
Download or read book Monthly Catalogue, United States Public Documents written by and published by . This book was released on 1994-08 with total page 872 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Monthly Catalog of United States Government Publications by :
Download or read book Monthly Catalog of United States Government Publications written by and published by . This book was released on 1994 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage Publisher : ISBN 13 : Total Pages :1036 pages Book Rating :4.3/5 (121 download)
Book Synopsis Home Mortgage Disclosure Act by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Download or read book Home Mortgage Disclosure Act written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and published by . This book was released on 1992 with total page 1036 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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:
