Mortgage Lending, Racial Discrimination, and Federal Policy

Representing the outcome of a May 1993 US Housing and Urban Development Conference, this volume seeks to answer two major questions: what evidence is there of discrimination by mortgage lenders? and, if discrimination is occurring, how powerful or significant a force is it? Evidence is presented in the form of statistical research, counter-arguments from the lending industry, and transcriptions of two landmark Federal court decrees. The editors conclude that the need for consensus and further research is stronger than in previous years, and that the housing industry, regulators, advocates and researchers all must continue to work toward eliminating any vestiges of racial discrimination in lending.