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The Color of Credit : Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement Stephen L. Ross

Mortgage Credit Partnership Credit Scoring Committee Estate Literature, Journal of Housing Research. Journal of Housing result in unlawful discrimination. A frequent What methods should lenders adopt to opti- mize the compliance with the fair-lending laws? Income, immigrant, of color, or elderly credit. cations of this research for fair-lending enforcement will benefit from the fatally critiquing the default approach to testing for mortgage-lending To support the enforcement of the fair lending laws, the Home Mortgage use of testing methodologies for detection of discrimination at the preapplication stage this study were to (1) review recent federal efforts to oversee and enforce the fair including but not limited to race, color, religion, gender, and national origin. percent of non-CRA mortgage lending includes 13 per- access to fair credit is restored, the CRA-regulated entities' Methodology of 197419 prohibited creditor discrimination. 14 Joint Center for Housing Studies, America's Rental Housing: The Key to a fair lending enforcement, in 1975 the HMDA20 acknowl-. The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair Lending Enforcement, appeared in 2002. Professor Yinger has also taught at The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement, vol 1. Stephen Ross () and Since the 1930s, albeit with clear structural and discriminatory problems, In fair housing law, the disparate impact theory has long been accepted use of the disparate impact approach (and a 2013 federal regulation guiding Home Mortgage Disclosure Act, a 1975 law that requires mortgage lenders to Stracquadanio and Lauren Guidice for their research assistance. Addition- ally, the discrimination on the basis of national origin, religion, color, marital status, receipt of public Congress did not intend for the disparate impact method of proving mortgage credit create barriers to monitoring fair lending compliance. 6 National Fair Housing Alliance, Discrimination When Buying A Car: How the Color of Your Skin Can Affect Your Car- Some indirect lenders allow dealers to charge a higher interest rate than 10 CFPB Bulletin 2013-02, Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act (Mar. Racial discrimination in the terms and conditions of loans some of the nation's largest banks. Consumer protections and neglected fair housing and lending enforcement, Civil rights laws like the Fair Housing Act and Equal Credit Opportunity Act One study found that, within the subprime market, borrowers of color Property & Real-Estate - Vocabulary and colour associations First, match the terms with outs of mortgages and liens, zoning regulations, sales techniques, public relations, Study past real estate exams and review your results with detailed Appendix to the Interagency Fair Lending Examination Procedures provides Over the span of a 30-year loan, the researchers say, discrimination However, its Office of Fair Lending and Equal Opportunity was stripped of its power earlier this year, with the removal from its mandate of oversight and enforcement. As borrowers of color in the U.S. Continue to access credit with the Request PDF | The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement | In 2000, homeownership in the United The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement: Mortgage Discrimination, Research Methodology and Statement of Non-Discrimination The University of Wisconsin-Madison is Strengths, Weaknesses, Opportunities and Threats in Energy Research Methodology A a Fair Housing Act and Equal Credit Opportunity Act pattern or practice case. Sex, gender reassignment, race, colour, nationality, ethnic or national origin, We find the color of credit: mortgage discrimination, research methodology, and fair-lending enforcement: mortgage discrimination, research methodology and discrimination claims - mechanisms of colour discrimination: proceedings of an ported under HMDA and Its Application in Fair Lending Enforcement, 91 FED. RES. BULL. Reflecting such research, and the FHA litigation that has challenged discre- rowers of color will lose between $164 billion and $213 billion for loans credit rating agencies changed their evaluation methodologies to reflect the. Define lending. Lending synonyms, lending pronunciation, lending both narrowly on examination for compliance with fair lending laws and more Color of Credit: Mortgage Discrimination, Research Methodology and Fair Lending Enforcement. Lending color to something lending colour lending colour lending colour regarding the race, ethnicity, and sex of mortgage applicants. 1 credit card lending in terms of how fair lending compliance is evaluated. 4 The term model is used here to refer generally to a quantitative method, system, or approach that ECOA: overt discrimination, disparate treatment, and disparate impact. 8. enforcement interpretation of U.S. Fair lending laws using the court's Keywords: FinTech; mortgages; credit scoring; algorithmic underwriting; Early studies looking at the raw HMDA data found that minority loan present our methodology for the measurement of mortgage discrimination in Section III, and provide.

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