The color of credit [electronic resource] : mortgage discrimination, research methodology, and fair-lending enforcement / Stephen Ross and John Yinger.
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 th...
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| Format: | Electronic eBook |
| Language: | English |
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Cambridge, Mass. :
MIT Press,
2003.
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Table of Contents:
- The mortgage market and the definition of mortgage lending discrimination
- A conceptual framework for mortgage lending
- The literature on mortgage lending discrimination up to and including the Boston Fed study
- Accounting for variation in underwriting standards across lenders
- Other dimensions of discrimination: pricing, redlining, and cultural affinity
- Using performance data to study mortgage discrimination: evaluating the default approach
- Lender behavior, loan performance, and disparate-impact discrimination
- Implications for fair-lending enforcement.