Residential Mortgage Lending Discrimination And Lender Risk Compensating Policies

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Fair Lending Compliance

Author : Clark R. Abrahams
Publisher : John Wiley & Sons
ISBN 13 : 9780470241899
Total Pages : 356 pages
Book Rating : 4.2/5 (418 download)

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Book Synopsis Fair Lending Compliance by : Clark R. Abrahams

Download or read book Fair Lending Compliance written by Clark R. Abrahams and published by John Wiley & Sons. This book was released on 2008-03-14 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management "Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. "This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill

What We Know About Mortgage Lending Discrimination in America

Author : Margery Austin Turner
Publisher : DIANE Publishing
ISBN 13 : 0788187945
Total Pages : 69 pages
Book Rating : 4.7/5 (881 download)

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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.

Discrimination in Home Mortgage Lending

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs
Publisher :
ISBN 13 :
Total Pages : 318 pages
Book Rating : 4.F/5 ( download)

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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 318 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Moving toward Integration

Author : Richard H. Sander
Publisher : Harvard University Press
ISBN 13 : 0674919874
Total Pages : 359 pages
Book Rating : 4.6/5 (749 download)

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Book Synopsis Moving toward Integration by : Richard H. Sander

Download or read book Moving toward Integration written by Richard H. Sander and published by Harvard University Press. This book was released on 2018-05-07 with total page 359 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reducing residential segregation is the best way to reduce racial inequality in the United States. African American employment rates, earnings, test scores, even longevity all improve sharply as residential integration increases. Yet far too many participants in our policy and political conversations have come to believe that the battle to integrate America’s cities cannot be won. Richard Sander, Yana Kucheva, and Jonathan Zasloff write that the pessimism surrounding desegregation in housing arises from an inadequate understanding of how segregation has evolved and how policy interventions have already set many metropolitan areas on the path to integration. Scholars have debated for decades whether America’s fair housing laws are effective. Moving toward Integration provides the most definitive account to date of how those laws were shaped and implemented and why they had a much larger impact in some parts of the country than others. It uses fresh evidence and better analytic tools to show when factors like exclusionary zoning and income differences between blacks and whites pose substantial obstacles to broad integration, and when they do not. Through its interdisciplinary approach and use of rich new data sources, Moving toward Integration offers the first comprehensive analysis of American housing segregation. It explains why racial segregation has been resilient even in an increasingly diverse and tolerant society, and it demonstrates how public policy can align with demographic trends to achieve broad housing integration within a generation.

Applied Human Resource Management

Author : Kenneth M. York
Publisher : SAGE
ISBN 13 : 1412954916
Total Pages : 865 pages
Book Rating : 4.4/5 (129 download)

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Book Synopsis Applied Human Resource Management by : Kenneth M. York

Download or read book Applied Human Resource Management written by Kenneth M. York and published by SAGE. This book was released on 2009-02-10 with total page 865 pages. Available in PDF, EPUB and Kindle. Book excerpt: Covers critical issues in the effective management of human resources, which can be used for class discussions, or be given as homework problems, or used as essay questions on tests.

Mortgage Lending, Racial Discrimination and Federal Policy

Author : John Goering
Publisher : Routledge
ISBN 13 : 0429827962
Total Pages : 743 pages
Book Rating : 4.4/5 (298 download)

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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.

Comptroller's Handbook for Compliance

Author : United States. Office of the Comptroller of the Currency
Publisher :
ISBN 13 :
Total Pages : 192 pages
Book Rating : 4.A/5 ( download)

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Book Synopsis Comptroller's Handbook for Compliance by : United States. Office of the Comptroller of the Currency

Download or read book Comptroller's Handbook for Compliance written by United States. Office of the Comptroller of the Currency and published by . This book was released on 1991 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Financial Crisis Inquiry Report

Author : Financial Crisis Inquiry Commission
Publisher : Cosimo, Inc.
ISBN 13 : 1616405414
Total Pages : 692 pages
Book Rating : 4.6/5 (164 download)

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Book Synopsis The Financial Crisis Inquiry Report by : Financial Crisis Inquiry Commission

Download or read book The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and published by Cosimo, Inc.. This book was released on 2011-05-01 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.

At the Boundaries of Homeownership

Author : Chloe N. Thurston
Publisher : Cambridge University Press
ISBN 13 : 1108390145
Total Pages : 276 pages
Book Rating : 4.1/5 (83 download)

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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 276 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.

The Color of Credit

Author : Stephen L. Ross
Publisher : MIT Press
ISBN 13 : 9780262264334
Total Pages : 488 pages
Book Rating : 4.2/5 (643 download)

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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.

Successful Mortgage Lending Strategies for the Underserved

Author : David Listokin
Publisher :
ISBN 13 :
Total Pages : 180 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Successful Mortgage Lending Strategies for the Underserved by : David Listokin

Download or read book Successful Mortgage Lending Strategies for the Underserved written by David Listokin and published by . This book was released on 1998 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Single Family Direct Endorsement Program

Author : United States. Department of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 188 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis Single Family Direct Endorsement Program by : United States. Department of Housing and Urban Development

Download or read book Single Family Direct Endorsement Program written by United States. Department of Housing and Urban Development and published by . This book was released on 1984 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Mortgage Lending, Racial Discrimination, and Federal Policy

Author : John M. Goering
Publisher : The Urban Insitute
ISBN 13 : 9780877666561
Total Pages : 776 pages
Book Rating : 4.6/5 (665 download)

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Book Synopsis Mortgage Lending, Racial Discrimination, and Federal Policy by : John M. Goering

Download or read book Mortgage Lending, Racial Discrimination, and Federal Policy written by John M. Goering and published by The Urban Insitute. This book was released on 1996 with total page 776 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether or not there is discrimination in the mortgage lending market is one of the most extensively debated issues in the civil rights arena. Because many early studies were flawed and the results misinterpreted on both sides of the debate, there is little agreement as to the next essential steps in either research or enforcement. This comprehensive volume seeks to clarify the debate by including rigorous review of fair lending research, applied projects, and enforcement activities to date, as well as recommendations for research needed to resolve unanswered questions. The intent of the authors is to help the housing industry, regulators, advocates, and the research community to better understand the issue of discrimination in an important area of American life -- the right to take out a mortgage to buy a home based on one's credit worthiness, not on one's race or ethnic group.

Fair Housing Planning Guide

Author :
Publisher :
ISBN 13 :
Total Pages : 168 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Fair Housing Planning Guide by :

Download or read book Fair Housing Planning Guide written by and published by . This book was released on 1996 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt:

1961 Commission on Civil Rights Report: Education

Author : United States Commission on Civil Rights
Publisher :
ISBN 13 :
Total Pages : 272 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis 1961 Commission on Civil Rights Report: Education by : United States Commission on Civil Rights

Download or read book 1961 Commission on Civil Rights Report: Education written by United States Commission on Civil Rights and published by . This book was released on 1961 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Understanding Predatory Lending

Author : Deborah Goldstein
Publisher :
ISBN 13 :
Total Pages : 90 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Understanding Predatory Lending by : Deborah Goldstein

Download or read book Understanding Predatory Lending written by Deborah Goldstein and published by . This book was released on 1999 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Privatization of Fannie Mae and Freddie Mac

Author : Harold L. Bunce
Publisher : DIANE Publishing
ISBN 13 : 9780788137549
Total Pages : 234 pages
Book Rating : 4.1/5 (375 download)

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Book Synopsis Privatization of Fannie Mae and Freddie Mac by : Harold L. Bunce

Download or read book Privatization of Fannie Mae and Freddie Mac written by Harold L. Bunce and published by DIANE Publishing. This book was released on 1997 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report demonstrates that a significant proportion of prospective homeowners remains underserved by the mortgage finance industry. The report reviews and evaluates the framework of housing goals that has been established by Fannie Mae and Freddie Mac. It finds that the housing goals represent a promising approach to focusing their resources on the mortgage credit needs of homebuyers. Such a programmatic emphasis by these enterprises represents an appropriate exchange for the benefits that they receive through their ties with the Federal government.