The color of credit :: mortgage discrimination, research methodology, and fair-lending enforcement /
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...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Weitere Verfasser: | |
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Cambridge, Mass. :
MIT Press,
2003.
|
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | 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. |
| Beschreibung: | 1 online resource (viii, 459 pages) : illustrations |
| Bibliographie: | Includes bibliographical references (pages 425-442) and indexes. |
| ISBN: | 9780262282604 0262282607 0585456658 9780585456652 0262264331 9780262264334 |
Internformat
MARC
| LEADER | 00000cam a2200000 a 4500 | ||
|---|---|---|---|
| 001 | ZDB-4-EBA-ocm52497691 | ||
| 003 | OCoLC | ||
| 005 | 20241004212047.0 | ||
| 006 | m o d | ||
| 007 | cr cn||||||||| | ||
| 008 | 030625s2003 maua ob 001 0 eng d | ||
| 040 | |a N$T |b eng |e pn |c N$T |d YDXCP |d OCLCG |d OCLCQ |d N$T |d OCLCQ |d TNF |d TULIB |d OCLCQ |d NA5 |d OCLCF |d NLGGC |d OCLCO |d OCLCQ |d TXHLC |d OCLCQ |d AGLDB |d PIFBR |d OCLCQ |d SAV |d QT7 |d WY@ |d ROC |d JBG |d LUE |d VTS |d OCLCQ |d INT |d TOF |d OCLCQ |d MITPR |d STF |d REC |d UMK |d OCLCQ |d K6U |d ZGM |d SFB |d UKSSU |d UKAHL |d OCLCO |d OCLCQ |d OCLCO |d OCLCL | ||
| 015 | |a GBA302467 |2 bnb | ||
| 019 | |a 532395278 |a 702108241 |a 847133337 |a 961616607 |a 962657975 |a 992100794 |a 1007373252 |a 1020512913 |a 1053051648 |a 1108892218 |a 1129141242 |a 1135429024 |a 1150164601 |a 1154844457 | ||
| 020 | |a 9780262282604 |q (electronic bk.) | ||
| 020 | |a 0262282607 |q (electronic bk.) | ||
| 020 | |a 0585456658 |q (electronic bk.) | ||
| 020 | |a 9780585456652 |q (electronic bk.) | ||
| 020 | |a 0262264331 | ||
| 020 | |a 9780262264334 | ||
| 035 | |a (OCoLC)52497691 |z (OCoLC)532395278 |z (OCoLC)702108241 |z (OCoLC)847133337 |z (OCoLC)961616607 |z (OCoLC)962657975 |z (OCoLC)992100794 |z (OCoLC)1007373252 |z (OCoLC)1020512913 |z (OCoLC)1053051648 |z (OCoLC)1108892218 |z (OCoLC)1129141242 |z (OCoLC)1135429024 |z (OCoLC)1150164601 |z (OCoLC)1154844457 | ||
| 037 | |a 1933 |b MIT Press | ||
| 037 | |a 9780262282604 |b MIT Press | ||
| 043 | |a n-us--- | ||
| 050 | 4 | |a HG2040.2 |b .R67 2003eb | |
| 072 | 7 | |a BUS |x 054030 |2 bisacsh | |
| 082 | 7 | |a 332.7/2/0973 |2 21 | |
| 049 | |a MAIN | ||
| 100 | 1 | |a Ross, Stephen L. |0 http://id.loc.gov/authorities/names/no96009640 | |
| 245 | 1 | 4 | |a The color of credit : |b mortgage discrimination, research methodology, and fair-lending enforcement / |c Stephen Ross and John Yinger. |
| 260 | |a Cambridge, Mass. : |b MIT Press, |c 2003. | ||
| 300 | |a 1 online resource (viii, 459 pages) : |b illustrations | ||
| 336 | |a text |b txt |2 rdacontent | ||
| 337 | |a computer |b c |2 rdamedia | ||
| 338 | |a online resource |b cr |2 rdacarrier | ||
| 504 | |a Includes bibliographical references (pages 425-442) and indexes. | ||
| 505 | 0 | |a 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. | |
| 588 | 0 | |a Print version record. | |
| 520 | |a 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. | ||
| 546 | |a English. | ||
| 650 | 0 | |a Discrimination in mortgage loans |z United States. | |
| 650 | 6 | |a Discrimination dans les prêts hypothécaires |z États-Unis. | |
| 650 | 7 | |a BUSINESS & ECONOMICS |x Real Estate |x Mortgages. |2 bisacsh | |
| 650 | 7 | |a Discrimination in mortgage loans |2 fast | |
| 651 | 7 | |a United States |2 fast |1 https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq | |
| 650 | 1 | 7 | |a Huiseigenaren. |2 gtt |
| 650 | 1 | 7 | |a Leningen. |2 gtt |
| 650 | 1 | 7 | |a Hypotheken. |0 (NL-LeOCL)078541115 |2 gtt |
| 650 | 1 | 7 | |a Discriminatie (sociologie) |0 (NL-LeOCL)078486475 |2 gtt |
| 651 | 7 | |a Verenigde Staten. |2 gtt | |
| 653 | |a ECONOMICS/Public Economics | ||
| 653 | |a SOCIAL SCIENCES/Political Science/Public Policy & Law | ||
| 653 | |a URBANISM/Urban History | ||
| 700 | 1 | |a Yinger, John, |d 1947- |1 https://id.oclc.org/worldcat/entity/E39PBJf8ygRfQT6Rd4TbGFpXVC |0 http://id.loc.gov/authorities/names/n87878172 | |
| 758 | |i has work: |a The color of credit (Text) |1 https://id.oclc.org/worldcat/entity/E39PCFRjWhypGvyYJFxqHmRFrq |4 https://id.oclc.org/worldcat/ontology/hasWork | ||
| 776 | 0 | 8 | |i Print version: |a Ross, Stephen L. |t Color of credit. |d Cambridge, Mass. : MIT Press, 2003 |z 0262182289 |w (DLC) 2002024413 |w (OCoLC)49351949 |
| 856 | 4 | 0 | |l FWS01 |p ZDB-4-EBA |q FWS_PDA_EBA |u https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=78100 |3 Volltext |
| 938 | |a Askews and Holts Library Services |b ASKH |n AH37586768 | ||
| 938 | |a EBSCOhost |b EBSC |n 78100 | ||
| 938 | |a YBP Library Services |b YANK |n 2333859 | ||
| 938 | |a YBP Library Services |b YANK |n 3411275 | ||
| 994 | |a 92 |b GEBAY | ||
| 912 | |a ZDB-4-EBA | ||
| 049 | |a DE-863 | ||
Datensatz im Suchindex
| DE-BY-FWS_katkey | ZDB-4-EBA-ocm52497691 |
|---|---|
| _version_ | 1816881608277360640 |
| adam_text | |
| any_adam_object | |
| author | Ross, Stephen L. |
| author2 | Yinger, John, 1947- |
| author2_role | |
| author2_variant | j y jy |
| author_GND | http://id.loc.gov/authorities/names/no96009640 http://id.loc.gov/authorities/names/n87878172 |
| author_facet | Ross, Stephen L. Yinger, John, 1947- |
| author_role | |
| author_sort | Ross, Stephen L. |
| author_variant | s l r sl slr |
| building | Verbundindex |
| bvnumber | localFWS |
| callnumber-first | H - Social Science |
| callnumber-label | HG2040 |
| callnumber-raw | HG2040.2 .R67 2003eb |
| callnumber-search | HG2040.2 .R67 2003eb |
| callnumber-sort | HG 42040.2 R67 42003EB |
| callnumber-subject | HG - Finance |
| collection | ZDB-4-EBA |
| 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. |
| ctrlnum | (OCoLC)52497691 |
| dewey-full | 332.7/2/0973 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.7/2/0973 |
| dewey-search | 332.7/2/0973 |
| dewey-sort | 3332.7 12 3973 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>06141cam a2200709 a 4500</leader><controlfield tag="001">ZDB-4-EBA-ocm52497691 </controlfield><controlfield tag="003">OCoLC</controlfield><controlfield tag="005">20241004212047.0</controlfield><controlfield tag="006">m o d </controlfield><controlfield tag="007">cr cn|||||||||</controlfield><controlfield tag="008">030625s2003 maua ob 001 0 eng d</controlfield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">N$T</subfield><subfield code="b">eng</subfield><subfield code="e">pn</subfield><subfield code="c">N$T</subfield><subfield code="d">YDXCP</subfield><subfield code="d">OCLCG</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">N$T</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">TNF</subfield><subfield code="d">TULIB</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">NA5</subfield><subfield code="d">OCLCF</subfield><subfield code="d">NLGGC</subfield><subfield code="d">OCLCO</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">TXHLC</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">AGLDB</subfield><subfield code="d">PIFBR</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">SAV</subfield><subfield code="d">QT7</subfield><subfield code="d">WY@</subfield><subfield code="d">ROC</subfield><subfield code="d">JBG</subfield><subfield code="d">LUE</subfield><subfield code="d">VTS</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">INT</subfield><subfield code="d">TOF</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">MITPR</subfield><subfield code="d">STF</subfield><subfield code="d">REC</subfield><subfield code="d">UMK</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">K6U</subfield><subfield code="d">ZGM</subfield><subfield code="d">SFB</subfield><subfield code="d">UKSSU</subfield><subfield code="d">UKAHL</subfield><subfield code="d">OCLCO</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">OCLCO</subfield><subfield code="d">OCLCL</subfield></datafield><datafield tag="015" ind1=" " ind2=" "><subfield code="a">GBA302467</subfield><subfield code="2">bnb</subfield></datafield><datafield tag="019" ind1=" " ind2=" "><subfield code="a">532395278</subfield><subfield code="a">702108241</subfield><subfield code="a">847133337</subfield><subfield code="a">961616607</subfield><subfield code="a">962657975</subfield><subfield code="a">992100794</subfield><subfield code="a">1007373252</subfield><subfield code="a">1020512913</subfield><subfield code="a">1053051648</subfield><subfield code="a">1108892218</subfield><subfield code="a">1129141242</subfield><subfield code="a">1135429024</subfield><subfield code="a">1150164601</subfield><subfield code="a">1154844457</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9780262282604</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">0262282607</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">0585456658</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9780585456652</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">0262264331</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9780262264334</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)52497691</subfield><subfield code="z">(OCoLC)532395278</subfield><subfield code="z">(OCoLC)702108241</subfield><subfield code="z">(OCoLC)847133337</subfield><subfield code="z">(OCoLC)961616607</subfield><subfield code="z">(OCoLC)962657975</subfield><subfield code="z">(OCoLC)992100794</subfield><subfield code="z">(OCoLC)1007373252</subfield><subfield code="z">(OCoLC)1020512913</subfield><subfield code="z">(OCoLC)1053051648</subfield><subfield code="z">(OCoLC)1108892218</subfield><subfield code="z">(OCoLC)1129141242</subfield><subfield code="z">(OCoLC)1135429024</subfield><subfield code="z">(OCoLC)1150164601</subfield><subfield code="z">(OCoLC)1154844457</subfield></datafield><datafield tag="037" ind1=" " ind2=" "><subfield code="a">1933</subfield><subfield code="b">MIT Press</subfield></datafield><datafield tag="037" ind1=" " ind2=" "><subfield code="a">9780262282604</subfield><subfield code="b">MIT Press</subfield></datafield><datafield tag="043" ind1=" " ind2=" "><subfield code="a">n-us---</subfield></datafield><datafield tag="050" ind1=" " ind2="4"><subfield code="a">HG2040.2</subfield><subfield code="b">.R67 2003eb</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">BUS</subfield><subfield code="x">054030</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="082" ind1="7" ind2=" "><subfield code="a">332.7/2/0973</subfield><subfield code="2">21</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">MAIN</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Ross, Stephen L.</subfield><subfield code="0">http://id.loc.gov/authorities/names/no96009640</subfield></datafield><datafield tag="245" ind1="1" ind2="4"><subfield code="a">The color of credit :</subfield><subfield code="b">mortgage discrimination, research methodology, and fair-lending enforcement /</subfield><subfield code="c">Stephen Ross and John Yinger.</subfield></datafield><datafield tag="260" ind1=" " ind2=" "><subfield code="a">Cambridge, Mass. :</subfield><subfield code="b">MIT Press,</subfield><subfield code="c">2003.</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">1 online resource (viii, 459 pages) :</subfield><subfield code="b">illustrations</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="a">text</subfield><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="a">computer</subfield><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="a">online resource</subfield><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="504" ind1=" " ind2=" "><subfield code="a">Includes bibliographical references (pages 425-442) and indexes.</subfield></datafield><datafield tag="505" ind1="0" ind2=" "><subfield code="a">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.</subfield></datafield><datafield tag="588" ind1="0" ind2=" "><subfield code="a">Print version record.</subfield></datafield><datafield tag="520" ind1=" " ind2=" "><subfield code="a">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.</subfield></datafield><datafield tag="546" ind1=" " ind2=" "><subfield code="a">English.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Discrimination in mortgage loans</subfield><subfield code="z">United States.</subfield></datafield><datafield tag="650" ind1=" " ind2="6"><subfield code="a">Discrimination dans les prêts hypothécaires</subfield><subfield code="z">États-Unis.</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">BUSINESS & ECONOMICS</subfield><subfield code="x">Real Estate</subfield><subfield code="x">Mortgages.</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">Discrimination in mortgage loans</subfield><subfield code="2">fast</subfield></datafield><datafield tag="651" ind1=" " ind2="7"><subfield code="a">United States</subfield><subfield code="2">fast</subfield><subfield code="1">https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq</subfield></datafield><datafield tag="650" ind1="1" ind2="7"><subfield code="a">Huiseigenaren.</subfield><subfield code="2">gtt</subfield></datafield><datafield tag="650" ind1="1" ind2="7"><subfield code="a">Leningen.</subfield><subfield code="2">gtt</subfield></datafield><datafield tag="650" ind1="1" ind2="7"><subfield code="a">Hypotheken.</subfield><subfield code="0">(NL-LeOCL)078541115</subfield><subfield code="2">gtt</subfield></datafield><datafield tag="650" ind1="1" ind2="7"><subfield code="a">Discriminatie (sociologie)</subfield><subfield code="0">(NL-LeOCL)078486475</subfield><subfield code="2">gtt</subfield></datafield><datafield tag="651" ind1=" " ind2="7"><subfield code="a">Verenigde Staten.</subfield><subfield code="2">gtt</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">ECONOMICS/Public Economics</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">SOCIAL SCIENCES/Political Science/Public Policy & Law</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">URBANISM/Urban History</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Yinger, John,</subfield><subfield code="d">1947-</subfield><subfield code="1">https://id.oclc.org/worldcat/entity/E39PBJf8ygRfQT6Rd4TbGFpXVC</subfield><subfield code="0">http://id.loc.gov/authorities/names/n87878172</subfield></datafield><datafield tag="758" ind1=" " ind2=" "><subfield code="i">has work:</subfield><subfield code="a">The color of credit (Text)</subfield><subfield code="1">https://id.oclc.org/worldcat/entity/E39PCFRjWhypGvyYJFxqHmRFrq</subfield><subfield code="4">https://id.oclc.org/worldcat/ontology/hasWork</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Print version:</subfield><subfield code="a">Ross, Stephen L.</subfield><subfield code="t">Color of credit.</subfield><subfield code="d">Cambridge, Mass. : MIT Press, 2003</subfield><subfield code="z">0262182289</subfield><subfield code="w">(DLC) 2002024413</subfield><subfield code="w">(OCoLC)49351949</subfield></datafield><datafield tag="856" ind1="4" ind2="0"><subfield code="l">FWS01</subfield><subfield code="p">ZDB-4-EBA</subfield><subfield code="q">FWS_PDA_EBA</subfield><subfield code="u">https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=78100</subfield><subfield code="3">Volltext</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">Askews and Holts Library Services</subfield><subfield code="b">ASKH</subfield><subfield code="n">AH37586768</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">EBSCOhost</subfield><subfield code="b">EBSC</subfield><subfield code="n">78100</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">YBP Library Services</subfield><subfield code="b">YANK</subfield><subfield code="n">2333859</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">YBP Library Services</subfield><subfield code="b">YANK</subfield><subfield code="n">3411275</subfield></datafield><datafield tag="994" ind1=" " ind2=" "><subfield code="a">92</subfield><subfield code="b">GEBAY</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-4-EBA</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-863</subfield></datafield></record></collection> |
| geographic | United States fast https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq Verenigde Staten. gtt |
| geographic_facet | United States Verenigde Staten. |
| id | ZDB-4-EBA-ocm52497691 |
| illustrated | Illustrated |
| indexdate | 2024-11-27T13:15:25Z |
| institution | BVB |
| isbn | 9780262282604 0262282607 0585456658 9780585456652 0262264331 9780262264334 |
| language | English |
| oclc_num | 52497691 |
| open_access_boolean | |
| owner | MAIN DE-863 DE-BY-FWS |
| owner_facet | MAIN DE-863 DE-BY-FWS |
| physical | 1 online resource (viii, 459 pages) : illustrations |
| psigel | ZDB-4-EBA |
| publishDate | 2003 |
| publishDateSearch | 2003 |
| publishDateSort | 2003 |
| publisher | MIT Press, |
| record_format | marc |
| spelling | Ross, Stephen L. http://id.loc.gov/authorities/names/no96009640 The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / Stephen Ross and John Yinger. Cambridge, Mass. : MIT Press, 2003. 1 online resource (viii, 459 pages) : illustrations text txt rdacontent computer c rdamedia online resource cr rdacarrier 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 -- 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. Print version record. 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. English. Discrimination in mortgage loans United States. Discrimination dans les prêts hypothécaires États-Unis. BUSINESS & ECONOMICS Real Estate Mortgages. bisacsh Discrimination in mortgage loans fast United States fast https://id.oclc.org/worldcat/entity/E39PBJtxgQXMWqmjMjjwXRHgrq Huiseigenaren. gtt Leningen. gtt Hypotheken. (NL-LeOCL)078541115 gtt Discriminatie (sociologie) (NL-LeOCL)078486475 gtt Verenigde Staten. gtt ECONOMICS/Public Economics SOCIAL SCIENCES/Political Science/Public Policy & Law URBANISM/Urban History Yinger, John, 1947- https://id.oclc.org/worldcat/entity/E39PBJf8ygRfQT6Rd4TbGFpXVC http://id.loc.gov/authorities/names/n87878172 has work: The color of credit (Text) https://id.oclc.org/worldcat/entity/E39PCFRjWhypGvyYJFxqHmRFrq https://id.oclc.org/worldcat/ontology/hasWork Print version: Ross, Stephen L. Color of credit. Cambridge, Mass. : MIT Press, 2003 0262182289 (DLC) 2002024413 (OCoLC)49351949 FWS01 ZDB-4-EBA FWS_PDA_EBA https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=78100 Volltext |
| spellingShingle | Ross, Stephen L. The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / 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. Discrimination in mortgage loans United States. Discrimination dans les prêts hypothécaires États-Unis. BUSINESS & ECONOMICS Real Estate Mortgages. bisacsh Discrimination in mortgage loans fast Huiseigenaren. gtt Leningen. gtt Hypotheken. (NL-LeOCL)078541115 gtt Discriminatie (sociologie) (NL-LeOCL)078486475 gtt |
| subject_GND | (NL-LeOCL)078541115 (NL-LeOCL)078486475 |
| title | The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / |
| title_auth | The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / |
| title_exact_search | The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / |
| title_full | The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / Stephen Ross and John Yinger. |
| title_fullStr | The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / Stephen Ross and John Yinger. |
| title_full_unstemmed | The color of credit : mortgage discrimination, research methodology, and fair-lending enforcement / Stephen Ross and John Yinger. |
| title_short | The color of credit : |
| title_sort | color of credit mortgage discrimination research methodology and fair lending enforcement |
| title_sub | mortgage discrimination, research methodology, and fair-lending enforcement / |
| topic | Discrimination in mortgage loans United States. Discrimination dans les prêts hypothécaires États-Unis. BUSINESS & ECONOMICS Real Estate Mortgages. bisacsh Discrimination in mortgage loans fast Huiseigenaren. gtt Leningen. gtt Hypotheken. (NL-LeOCL)078541115 gtt Discriminatie (sociologie) (NL-LeOCL)078486475 gtt |
| topic_facet | Discrimination in mortgage loans United States. Discrimination dans les prêts hypothécaires États-Unis. BUSINESS & ECONOMICS Real Estate Mortgages. Discrimination in mortgage loans United States Huiseigenaren. Leningen. Hypotheken. Discriminatie (sociologie) Verenigde Staten. |
| url | https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=78100 |
| work_keys_str_mv | AT rossstephenl thecolorofcreditmortgagediscriminationresearchmethodologyandfairlendingenforcement AT yingerjohn thecolorofcreditmortgagediscriminationresearchmethodologyandfairlendingenforcement AT rossstephenl colorofcreditmortgagediscriminationresearchmethodologyandfairlendingenforcement AT yingerjohn colorofcreditmortgagediscriminationresearchmethodologyandfairlendingenforcement |