Truth in Business and Home Lending Discrimination PDF Download
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Author: Wilbert Smith Jr.
Publisher:
ISBN: 9781434347985
Category : Business & Economics
Languages : en
Pages : 84
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Book Description
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.
Author: Wilbert Smith Jr.
Publisher:
ISBN: 9781434347985
Category : Business & Economics
Languages : en
Pages : 84
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Book Description
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.
Author: Wilbert Smith Jr
Publisher: AuthorHouse
ISBN: 1467861944
Category : Business & Economics
Languages : en
Pages : 88
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Book Description
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.
Author: Margery Austin Turner
Publisher: DIANE Publishing
ISBN: 0788187945
Category :
Languages : en
Pages : 69
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Book Description
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: John Goering
Publisher: Routledge
ISBN: 0429827954
Category : Social Science
Languages : en
Pages : 665
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Book Description
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:
Publisher:
ISBN:
Category : Discrimination in mortgage loans
Languages : en
Pages : 206
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Book Description
Author: United States Commission on Civil Rights
Publisher:
ISBN:
Category : Discrimination in housing
Languages : en
Pages : 44
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Book Description
Author: Stephen L. Ross
Publisher: MIT Press
ISBN: 9780262264334
Category : Business & Economics
Languages : en
Pages : 488
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Book Description
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: Brenda Payton
Publisher:
ISBN:
Category : African Americans
Languages : en
Pages : 40
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Book Description
Author:
Publisher:
ISBN:
Category : Discrimination in housing
Languages : en
Pages : 12
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Book Description
Author: DIANE Publishing Company
Publisher: DIANE Publishing
ISBN: 9780788136665
Category : Social Science
Languages : en
Pages : 134
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Book Description
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.
