Titlebook: Discrimination in Financial Services; A Special Issue of t George J. Benston,W. Curt Hunter,George G. Kaufman Book 1997 Springer Science+Bu

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Massimiliano Pieraccini,Lapo Miccinesisuggest 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.

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Introduction,ting discrimination in the provision of financial services on the basis of race, gender, and marital status, among other factors, questions concerning the existence of racial discrimination in such areas as home mortgage loans and small business credit continue and confound public policy makers.

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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 evidence consistent with such behavior.

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Discrimination in Financial Services: How Should We Proceed?,y tight boundary between these two issues. I think we ought to know a lot more about households and about businesses. I think we ought to use existing data, and on occasion, we ought to get new data. And, I think we ought to use structural models of behavior.

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Book 1997S. prohibiting discrimination in the provisionof financial services on the basis of race, gender, and maritalstatus, among other factors, questions concerning the existence ofracial discrimination in such areas as home mortgage loans and smallbusiness credit continue, and confound public policy make

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Rosemary K. Thomas,M. Helen Santhiortgage 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 redlining studies and assertions nor was it the direct concern of the groups or politicians who worked to enact the Community Reinvestment Act (CRA).

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Discrimination in Financial Services: What Do We Not Know?,ortgage 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 redlining studies and assertions nor was it the direct concern of the groups or politicians who worked to enact the Community Reinvestment Act (CRA).