Download or read book An Empirical Investigation of Discrimination in the Hispanic Mortgage Market written by Gonzalo E. Metzler Martínez and published by . This book was released on 1993 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book An Empirical Investigation of Credit Rationing and Discrimination Against Black Households in the Mortgage Market written by Gonzalo E. Martinez Metzler and published by . This book was released on 1993 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Discrimination Against Chicanos in the Dallas Rental Housing Market written by Jon Hakken and published by . This book was released on 1979 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 665 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.

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.

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.

Download or read book The Dual Mortgage Market written by William C. Apgar and published by . This book was released on 2005 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Geographical Discrimination in Mortgage Lending written by Paul Robert Goebel and published by . This book was released on 1980 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Race and Default in Credit Markets written by Michael A. Stegman and published by DIANE Publishing. This book was released on 1996-07 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: A research & commentary on the critical policy issue of whether or not racial discrimination exists in the home mortgage lending industry. A collection of essays on this topic by experts such as John Yinger, Stephen Ross, & George Galster. Also includes commentaries on mortgage performance & housing market discrimination, default rates & their place in the controversy, & the role of FHA data in the lending discrimination discussion. Graphs, charts.

Download or read book Measuring Racial Discrimination written by National Research Council and published by National Academies Press. This book was released on 2004-07-24 with total page 335 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many racial and ethnic groups in the United States, including blacks, Hispanics, Asians, American Indians, and others, have historically faced severe discriminationâ€"pervasive and open denial of civil, social, political, educational, and economic opportunities. Today, large differences among racial and ethnic groups continue to exist in employment, income and wealth, housing, education, criminal justice, health, and other areas. While many factors may contribute to such differences, their size and extent suggest that various forms of discriminatory treatment persist in U.S. society and serve to undercut the achievement of equal opportunity. Measuring Racial Discrimination considers the definition of race and racial discrimination, reviews the existing techniques used to measure racial discrimination, and identifies new tools and areas for future research. The book conducts a thorough evaluation of current methodologies for a wide range of circumstances in which racial discrimination may occur, and makes recommendations on how to better assess the presence and effects of discrimination.

Download or read book The Economics of Inequality Poverty and Discrimination in the 21st Century written by Robert S. Rycroft and published by Bloomsbury Publishing USA. This book was released on 2013-03-07 with total page 496 pages. Available in PDF, EPUB and Kindle. Book excerpt: Leading scholars examine the conflicting paradigms of affluence and destitution in the United States—as well as other free societies—and discuss the influence of education, race, and status on economic mobility. While recent catastrophic events in New Orleans and Haiti may have magnified issues of social inequity, leaders have debated over poverty and discrimination for decades. Are the poor disadvantaged by the institutions of society or by the choices they make? Through two insightful volumes, the author examines differing academic and political perspectives to help shed light on the causes of poverty and inequality; the role that gender, race, age, or sexual preference plays in determining opportunity; and the effectiveness of current social and economic policies in balancing the inequity among disparate groups. The Economics of Inequality, Poverty, and Discrimination in the 21st Century consists of 2 volumes containing 32 papers divided into 5 categories: measurement, inequality and mobility, institutions and choices, demographic groups and discrimination, and policy. The papers—written by economists, sociologists, philosophers and lawyers—deal with the extent of inequality in the United States and how it compares to other countries, and the newly emerging evidence on the relationship between inequality and mobility within a society.

Download or read book Cityscape written by and published by . This book was released on 1996 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Identification of Discrimination in Mortgage Lending Markets written by Michael LaCour-Little and published by . This book was released on 1996 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Bibliographic Guide to Latin American Studies 1996 written by G K HALL and published by Macmillan Reference USA. This book was released on 1997-07 with total page 1086 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Housing Hispanics written by Charles Kamasaki and published by . This book was released on 1984 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mortgage Performance and Housing Discrimination written by John M. Quigley and published by . This book was released on 1995 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Discrimination in Mortgage Lending written by Alvin Thomas King and published by . This book was released on 1981 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the fall of 1978 the Federal Home Loan Bank Board collected detailed information on mortgage applications received by Federally-insured Savings and Loan Associations in three SMSAs. This study analyzes the applications for evidence that Associations discriminated against applicants becuase of their age, race, sex, marital status or the location of the property. The study finds no evidence that property appraisals are discriminatory and little or no evidence that the terms offered on approved mortgages are discriminatory. The study does find statistically significant evidence that black and Hispanic applicants are more likely to be denied than are comparable white applicants. To some extent the differences may be due to worse credit records, a factor which can be incorporated into the analysis only imperfectly because of data limitations. The study finds no evidence that the age, sex, or marital status of the applicant or the location of the property affect the likelihood of rejection.