عنوان
پدید آورنده
موضوع
رده
HG2040.2 .R67 2003
HG2040
.
2
.
R67
2003
کتابخانه
محل استقرار
0262182289
9780262182287
b756874
The color of credit :
[Book]
mortgage discrimination, research methodology, and fair-lending enforcement /
Stephen Ross and John Yinger.
Cambridge, Mass. :
MIT Press,
2002.
viii, 459 pages :
illustrations ;
24 cm
Includes bibliographical references (pages 425-442) and indexes.
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 -- Evaluating criticisms of 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.
0
"In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They reanalyze 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."--Jacket.
Discrimination in mortgage loans-- United States.
Discrimination dans les prêts hypothécaires-- États-Unis.
Discriminatie.
Discrimination in mortgage loans-- United States.
Discrimination in mortgage loans.
Huiseigenaren.
Hypotheken.
Leningen.
United States.
7
332
.
7/2/0973
21
HG2040
.
2
.
R67
2003
71
.
62
bcl
Ross, Stephen L.
Yinger, John,1947-
20201204170848.0
مطالعه متن کتاب [Book]
Y
