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Discrimination in Financial Services : A Special Issue of the Journal of Financial Services Research - George J. Benston

Discrimination in Financial Services

A Special Issue of the Journal of Financial Services Research

By: George J. Benston (Editor), W. Curt Hunter (Editor), George G. Kaufman (Editor)

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Published: 31st May 1997
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Equal treatment in access to credit has long been a fundamental social goal in the United States. However, despite the passage of several laws in the U.S. prohibiting 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. This book is composed of nine articles and a panel discussion, originally published as a special issue of the Journal of Financial Services Research. These contributions explore the complex issue of discrimination in financial services.

Editors' Notep. 5
Introductionp. 7
Detecting Discrimination in Mortgage Lending
Using HMDA Data as a Regulatory Screen for Fair Lending Compliancep. 9
Mortgage Lending, Race, and Model Specificationp. 43
Strategic Responses to Bank Regulation: Evidence from HMDA Datap. 69
Issues in Redlining, Underwriting, and Pricing
Mortgage Loans to Nonoccupants as an Indicator of Racial Redliningp. 95
A Reconsideration of Discrimination in Mortgage Underwriting with Data from a National Mortgage Bankp. 109
Discrimination Resulting from Overage Practicesp. 133
Models of Discrimination in Credit Markets
Cultural Affinity and Lending Discrimination: The Impact of Underwriting Errors and Credit Risk Distribution on Applicant Denial Ratesp. 153
The Economics of Low-Income Mortgage Lendingp. 169
Do Black-Owned Banks Discriminate against Black Borrowers?p. 189
Discrimination in Financial Services: Panel
What Do We Know?p. 205
What Do We Not Know?p. 209
How Should We Proceed?p. 215
Shadow Financial Regulatory Committee Statementsp. 219
Financial Economists Roundtable Statement on Risk Disclosure by Mutual Fundsp. 227
Table of Contents provided by Syndetics. All Rights Reserved.

ISBN: 9780792398851
ISBN-10: 0792398858
Audience: Professional
Format: Hardcover
Language: English
Number Of Pages: 236
Published: 31st May 1997
Publisher: Springer
Country of Publication: NL
Dimensions (cm): 24.77 x 17.15  x 1.27
Weight (kg): 0.57