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Discrimination in Financial Services

A Special Issue of the Journal of Financial Services Research

  • Book
  • © 1997

Overview

Editors:
  1. George J. Benston

    1. Emory University, USA

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  2. W. Curt Hunter

    1. Federal Reserve Bank of Chicago, USA

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  3. George G. Kaufman

    1. Loyola University Chicago, USA

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Table of contents (14 chapters)

  1. Front Matter

    Pages 1-5
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  2. Editors’ Note

    • George J. Benston, Franklin R Edwards, Robert A. Eisenbeis, Paul M. Horvitz, Edward J. Kane, G. Kaufman
    Pages 5-5

  3. Introduction

    • George J. Benston, W. Curt Hunter, George G. Kaufman
    Pages 7-7

  4. Using HMDA Data as a Regulatory Screen for Fair Lending Compliance

    • Robert B. Avery, Patricia E. Beeson, Paul S. Calem
    Pages 9-42

  5. Mortgage Lending, Race, and Model Specification

    • David K. Horne
    Pages 43-68

  6. Strategic Responses to Bank Regulation: Evidence From HMDA Data

    • Douglas D. Evanoff, Lewis M. Segal
    Pages 69-93

  7. Mortgage Loans to Nonoccupants as an Indicator of Racial Redlining

    • Andrew Holmes, Paul M. Horvitz, Joe E. James
    Pages 95-108

  8. A Reconsideration of Discrimination in Mortgage Underwriting with Data from a National Mortgage Bank

    • Eric Rosenblatt
    Pages 109-131

  9. Discrimination Resulting from Overage Practices

    • Marsha Courchane, David Nickerson
    Pages 133-151

  10. Cultural Affinity and Lending Discrimination: The Impact of Underwriting Errors and Credit Risk Distribution on Applicant Denial Rates

    • Michael E Ferguson, Stephen R. Peters
    Pages 153-168

  11. The Economics of Low-Income Mortgage Lending

    • David Malmquist, Fred Phillips-Patrick, Clifford Rossi
    Pages 169-188

  12. Do Black-Owned Banks Discriminate against Black Borrowers?

    • Harold A. Black, M. Cary Collins, B. Ken Cyree
    Pages 189-204

  13. Discrimination in Financial Services: What Do We Know?

    • Susan Wachter
    Pages 205-208

  14. Discrimination in Financial Services: What Do We Not Know?

    • George J. Benston
    Pages 209-213

  15. Discrimination in Financial Services: How Should We Proceed?

    • Robert Townsend
    Pages 215-217

  16. Back Matter

    Pages 219-236
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Keywords

About this book

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 and Affiliations

  • Emory University, USA

    George J. Benston

  • Federal Reserve Bank of Chicago, USA

    W. Curt Hunter

  • Loyola University Chicago, USA

    George G. Kaufman

Bibliographic Information

  • Book Title: Discrimination in Financial Services

  • Book Subtitle: A Special Issue of the Journal of Financial Services Research

  • Editors: George J. Benston, W. Curt Hunter, George G. Kaufman

  • DOI: https://doi.org/10.1007/978-1-4615-6147-7

  • Publisher: Springer New York, NY

  • eBook Packages: Springer Book Archive

  • Copyright Information: Springer Science+Business Media New York 1997

  • Hardcover ISBN: 978-0-7923-9885-1Published: 31 May 1997

  • Softcover ISBN: 978-1-4613-7817-4Published: 04 October 2012

  • eBook ISBN: 978-1-4615-6147-7Published: 06 December 2012

  • Edition Number: 1

  • Number of Pages: 236

  • Additional Information: Reprinted from JOURNAL OF FINANCIAL SERVICES RESEARCH, 11:1-2

  • Topics: Finance, general, Public Economics

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