Table of Contents
Part 1. Mortgage Lending Discrimination Research. 1. An Overview. John Goering and Ron Wienk. 2. Discrimination in Mortgage Lending: A Literature Review. John Yinger. 3. Accounting for Racial Differences in Housing Credit Markets. Robert B. Avery, Patricia E. Beeson, and Mark S. Sniderman. 4. Turning a Critical Eye on the Critics. Geoffrey M.B. Tootell. 5. The Role of FHA in the Provision of Credit to Minorities. Stuart A. Gabriel. 6. Race, Redlining, and Residential Mortgage Defaults: Evidence from the FHA-Insured Single-Family Loan Program. James A. Berkovec, Glenn B. Canner, Timothy H. Hannan, and Stuart A. Gabriel. 7. Mortgage Discrimination and FHA Loan Performance. James A. Berkovec, Glenn B. Canner, Stuart A. Gabriel, and Timothy H. Hannan. 8. Comparing Loan Performance between Races as a Test for Discrimination: A Critique of the Berkovec et al. Study. George Galster. 9. Flaws in the Use of Loan Defaults to Test for Mortgage Lending Discrimination. Stephen L. Ross. 10. Rejoinder. James A. Berkovec, Glenn B. Canner, Stuart A. Gabriel, and Timothy H. Hannan. 11. Discrimination and the Secondary Mortgage Market. Robert Van Order. 12. Housing Discrimination and the Appraisal Industry. Robert G. Schwemm. Part 2. Fair Lending Enforcement. 13. An Overview. John Goering and Ron Wienk. 14. The Decatur Federal Case. 15. The Decatur Federal Case: A Summary Report. Richard Ritter. 16. Use of Statistical Models to Provide Statistical Evidence of Discrimination in the Treatment of Mortgage Loan Applicants: A Study of One Lending Institution. Bernard R. Siskin and Leonard A. Cupingood. 17. Comments and Response by Decatur Federal Savings and Loan Association. Kent B. Alexander. 18. Targeting a Lending Discrimination Investigation. Ann Chud and Hal Bonnette. 19. Methods for Identifying Lenders for Investigation under the Fair Housing Act. Ira J. Goldstein. 20. Fair Lending Management: Using Influence Statistics to Identify Critical Mortgage Loan Applications. David Rodda and James E. Wallace. 21. A Practical Model for Investigating Mortgage Lending Discrimination by Financial Institutions. Richard W. Cole. 22. Reviewing Loan Files for Mortgage Lending Discrimination. Zina Gefter Greene. 23. The Role of Private, Nonprofit Fair Housing Enforcement Organizations in Lending Testing. Shanna L. Smith and Cathy Cloud. 24. Preapplication Mortgage Lending Testing Program: Lender Testing by a Local Agency. Rachel Lawton. 25. The Chevy Chase Case. 26. Patterns of Residential Mortgage Activity in Philadelphia’s Low- and Moderate-Income Neighborhoods: 1990-91. Paul S. Calem. Part 3. Future Directions. 27. Future Directions in Mortgage Discrimination Research and Enforcement. George Galster.
