Altitude
发表于 2025-3-23 13:07:56
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ticlopidine
发表于 2025-3-23 15:29:21
Strategic Responses to Bank Regulation: Evidence From HMDA Data,of noneconomic borrower characteristics. We evaluate situations in which banks may find it in their self interest to respond to regulation in a strategic manner intended to improve public relations and appease regulators rather than to adhere to the true spirit of the regulation. We find some eviden
Legion
发表于 2025-3-23 19:57:24
Mortgage Loans to Nonoccupants as an Indicator of Racial Redlining,ors and a greter number of residents will rent homes owned by such investors. It may be possible, therefore, to measure the extent of redlining by using HMDA data on loans made to nonoccupants. This study models the flow of mortgage credit to nonoccupants in nine MSAs, using traditional economic and
荨麻
发表于 2025-3-23 23:22:44
A Reconsideration of Discrimination in Mortgage Underwriting with Data from a National Mortgage Bane denials occur only in a minority of cases, where the borrower has not learned the lender’s underwriting rules in advance. Widespread borrower foreknowledge of such rules is demonstrated by a discriminant finding that 9 of 10 borrowers “correctly” choose whether to apply under FHA vs. conventional
mendacity
发表于 2025-3-24 06:15:34
Discrimination Resulting from Overage Practices,gulatory agencies have devoted extensive resources to analyses that included numerous studies of lending practices and compliance under the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA)..These studies used both data collected for a particular study by the regulatory agency and d
Microgram
发表于 2025-3-24 06:52:42
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可能性
发表于 2025-3-24 10:57:01
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Latency
发表于 2025-3-24 16:42:43
Do Black-Owned Banks Discriminate against Black Borrowers?,suggest that black-owned banks may utilize applicant race in the mortgage granting decision. The result holds in a naive HMDA model and in an enhanced HMDA model with bank-specific, demographic, and neighborhood characteristics added.
assent
发表于 2025-3-24 19:28:14
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NOMAD
发表于 2025-3-25 01:14:39
Discrimination in Financial Services: What Do We Not Know?, of the greenlining coalition, whose existence is based on the belief that banks discriminate against neighborhoods by refusing to make conventional mortgage loans on properties located there. At the outset, I want to point out that the race of potential mortgagors was not considered in the initial