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001386020 08204 $$a332.7/2/0973$$221
001386020 1001_ $$aRoss, Stephen L.
001386020 24514 $$aThe color of credit :$$bmortgage discrimination, research methodology, and fair-lending enforcement /$$cStephen Ross and John Yinger.
001386020 260__ $$aCambridge, Mass. :$$bMIT Press,$$c2003.
001386020 300__ $$a1 online resource (viii, 459 pages) :$$billustrations
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001386020 506__ $$aAccess limited to authorized users.
001386020 520__ $$aAn analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection.In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
001386020 588__ $$aOCLC-licensed vendor bibliographic record.
001386020 650_0 $$aDiscrimination in mortgage loans$$zUnited States.
001386020 653__ $$aECONOMICS/Public Economics
001386020 653__ $$aSOCIAL SCIENCES/Political Science/Public Policy & Law
001386020 653__ $$aURBANISM/Urban History
001386020 655_0 $$aElectronic books
001386020 7001_ $$aYinger, John,$$d1947-
001386020 852__ $$bebk
001386020 85640 $$3MIT Press$$uhttps://univsouthin.idm.oclc.org/login?url=https://doi.org/10.7551/mitpress/1933.001.0001?locatt=mode:legacy$$zOnline Access through The MIT Press Direct
001386020 85642 $$3OCLC metadata license agreement$$uhttp://www.oclc.org/content/dam/oclc/forms/terms/vbrl-201703.pdf
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001386020 980__ $$aBIB
001386020 980__ $$aEBOOK
001386020 982__ $$aEbook
001386020 983__ $$aOnline