内容紹介
This volume, representing the outcome of a May 1993 U.S. HUD conference, seeks to answer two major questions: What evidence is there of discrimination by mortgage lenders? If discrimination is occurring, how powerful or significant a force is it? Evidence is presented in the form of statistical research, counterarguments from the lending industry, and transcriptions of two landmark federal court decrees. Contents: Foreword; PART ONE: MORTGAGE LENDING DISCRIMINATION RESEARCH; An Overview, John Goering and Ron Wienk; Discrimination in Mortgage Lending: A Literature Review, John Yinger; Accounting for Racial Differences in Housing Credit Markets, Robert B. Avery, Patricia E. Beeson, and Mark S. Sniderman; Turning a Critical Eye on the Critics, Geoffrey M.B. Tootell; The Role of the FHA in the Provision of Credit to Minorities, Ann B. Schnare and Stuart A. Gabriel; Race, Redlining, and Residential Mortgage Defaults: Evidence from FHA-Insured Single-Family Loan Program, James A. Bercovec, Glenn B. Canner, Timothy H. Hannan, and Stuart A. Gabriel; Mortgage Discrimination and FHA Loan Performance, James A. Bercovec, Glenn B. Canner, Stuart A. Gabriel and Timothy H. Hannan; Comparing Loan Performance between Races as a Test for Discrimination: A Critique of the Berkovec et. al. Study, George Galster; Flaws in the Use of Loan Defaults to Test Mortgage Lending Discrimination, Stephen L. Ross; Rejoinder, James A. Bercovec, Glenn B. Canner, Stuart A. Gabriel, and Timothy H. Hannan; Discrimination and the Secondary Mortgage Market, Robert Van Order; Housing Discrimination and the Appraisal Industry, Robert B. Schwemm; PART TWO: FAIR LENDING ENFORCEMENT; An Overview, John Goering and Ron Wienk; The Decatur Federal Case; Summary Report: The Decatur Federal Case, Richard Ritter; Use of Statistical Models to Provide Statistical Evidence of Discrimination in the Treatment of Mortgage Loan Applicants: A Study of One Lending Institution, Bernard Siskin and Leonard A. Cupingood; Comments and Response by Decatur Federal Savings and Loan Association, Kent B. Alexander; Targeting a Lending Discrimination Investigation, Ann Chud and Hal Bonnette; Methods for Identifying Lenders for Investigation under the Fair Housing Act, Ira J. Goldstein; Fair Lending Management: Using Influence Statistics to Identify Critical Mortgage Loan Applications, David Rodda and James E. Wallace; A Practical Model for Investigating Mortgage Lending Discrimination by Financial Institutions, Richard W. Cole; Reviewing Loan Files for Mortgage Lending Discrimination, Zina G. Greene; The Role of Private, Nonprofit Fair Housing Enforcement Organizations in Lending Testing, Shanna L. Smith and Cathy Cloud; Preapplication Mortgage Lending Testing Program: Lender Testing by a Local Agency, Rachel Lawton; The Chevy Chase Case; Patterns of Residential Mortgage Activity in Philadelphia's Low- and Moderate-Income Neighborhoods: 1990-91, Paul S. Calem; PART THREE: FUTURE DIRECTIONS; Future Directions in Mortgage Discrimination Research and Enforcement, George Galster; Index.
著者について
John Goering has researched fair housing at the Office of Policy Development since 1978 and is the author of numerous articles on this issue. Ron Wienk, currently an independent consultant, has been a research associate at the Urban Institute, senior fair lending advisor at the Office of the Comptroller of the Currency, and a research analyst at the U.S. Department of Housing and Urban Development.
