Mortgage Lending, Racial Discrimination and Federal Policy

Inbunden, 1997

2 049 kr

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Representing the outcome of a May 1993 "US Housing and Urban Development Conference", this volume seeks to answer two major questions: what evidence is there of discrimination by mortgage lenders? and, if discrimination is occurring, how powerful or significant a force is it? Evidence is presented in the form of statistical research, counter-arguments from the lending industry, and transcriptions of two landmark Federal court decrees. The editors conclude that the need for consensus and further research is stronger than in previous years, and that the housing industry, regulators, advocates and researchers all must continue to work toward eliminating any vestiges of racial discrimination in lending.

Produktinformation

Utgivningsdatum1997-06-05
Mått228 x 159 x undefined mm
Vikt1 150 g
FormatInbunden
SerieUrban Institute series
FörlagTaylor & Francis Ltd
MedarbetareGorham,William
ISBN9781859724705

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Part 1 Mortgage lending discrimination: An overview, John Goering, Ron Wienk; Discrimination in mortgage lending - a literature review, John Yinger; Accounting for racial differences in housing credit markets, Robert B. Avery et al; Turning a critical eye on the critics, Geoffrey M.B. Tootell; The role of FHA in the provision of credit to minorities, Stuart A. Gabriel; Race, redlining, and residential mortgage defaults - evidence from the FHA-insured single-family loan programs, James A. Berkovec et al; Mortgage discrimination and FHA loan performance, James A. Berkovec et al; comparing loan performance between races as a test for discrimination - a critique of the Barkovec et al study, George Galster; Flaws in the use of loan defaults to test for mortgage lending discrimination, Stephen L. Ross; Rejoinder, James A. Berkovec et al; Discrimination and the secondary mortgage market, Robert Van Order; Housing discrimination and the appraisal industry, Robert G. Schwemm. Part 2 Fair lending enforcement: An overview, John Goering, Ron Wienk; The Decatur federal case; The Decatur Federal case - a summary report, Richard Ritter; Use of statistical models to provide statistical evidence of discrimination in the treatment of mortgage loan applicants - a study of one lending institution, Bernard R. Siskin, Leonard A. Cupingood; Comments and responses by Decatur Federal savings and loan association, Kent B. Alexander; Targeting a lending discrimination investigation, Ann Chud, Hal Bonnette; Methods for identifying lenders for investigation under the Fair Housing Act, Ira J. Goldstein; Fair lending management - using influence statistics to identify critical mortgage loan applications, David Rodda, James E. Wallace; A practical model for investigating mortgage lending discrimination by financial institutions, Richard W. Cole; Reviewing loan files for mortgage lending discrimination, Zina Gefter Greene; The role of private, nonprofit Fair Housing enforcement organizations in lending testing, Shanna L. Smith, Cathy Cloud; Preapplication mortgage lending testing program - lender testing by a local agency, Rachel Lawton; The Chevy Chase case; Patterns of residential mortgage activity in Philadelphia's low- and moderate-income neighbourhood - 1990-91, Paul S. Calem. Part 3 Future directions: Future directions in Mortgage discrimination research and enforcement, George Gaster.