John Goering - Mortgage Lending, Racial Discrimination and Federal Policy

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First published 1997 by Ashgate Publishing in association with The Urban Institute Press

Reissued 2018 by Routledge

2 Park Square, Milton Park, Abingdon, Oxon, OX14 4RN

711 Third Avenue, New York, NY I 0017, USA

Routledge is an imprint of the Taylor & Francis Group, an informa business

Copyright The Urban Institute 1997

All rights reserved. No part of this book may be reprinted or reproduced or utilised in any form or by any electronic, mechanical, or other means, now known or hereafter invented, including photocopying and recording, or in any information storage or retrieval system, without permission in writing from the publishers.

Notice:

Product or corporate names may be trademarks or registered trademarks, and are used only for identification and explanation without intent to infringe.

Publishers Note

The publisher has gone to great lengths to ensure the quality of this reprint but points out that some imperfections in the original copies may be apparent.

Disclaimer

The publisher has made every effort to trace copyright holders and welcomes correspondence from those they have been unable to contact.

A Library of Congress record exists under LC control number: 96015612

ISBN 13: 978-1-138-32859-4 (hbk)

ISBN 13: 978-0-429-44852-2 (ebk)

Board of Trustees

• Richard B. Fisher Chairman
• Katharine Graham Vice Chairman
• Joel L. Fleishman Vice Chairman
• William Gorham President
• Jeffrey S. Berg
• Joan Toland Bok
• Marcia L. Carsey
• Carol Thompson Cole
• Richard C. Green, Jr.
• Fernando A. Guerra, M.D.
• Jack Kemp
• Ann McLaughlin
• Robert S. McNamara
• Charles L. Mee, Jr.
• Robert C. Miller
• Hugh B. Price
• Sol Price
• Robert M. Solow
• Dick Thornburgh

Life Trustees

• Warren E. Buffett
• James E. Burke
• Joseph A. Califano, Jr.
• William T. Coleman, Jr.
• John M. Deutch
• Anthony Downs
• Eugene G. Fubini
• George J.W. Goodman
• Aileen C. Hernandez
• Carla A. Hills
• Vernon E. Jordan, Jr.
• Edward H. Levi
• Bayless A. Manning
• Stanley Marcus
• David O. Maxwell
• Arjay Miller
• J. Irwin Miller
• Lois D. Rice
• Elliot L. Richardson
• William D. Ruckelshaus
• Herbert E. Scarf
• Charles L. Schultze
• William W. Scranton
• Cyrus R. Vance
• James Vorenberg
• Mortimer B. Zuckerman

THE URBAN INSTITUTE is a nonprofit policy research and educational organization established in Washington, D.C., in 1968. Its staff investigates the social and economic problems confronting the nation and public and private means to alleviate them. The Institute disseminates significant findings of its research through the publications program of its Press. The goals of the Institute are to sharpen thinking about societal problems and efforts to solve them, improve government decisions and performance, and increase citizen awareness of important policy choices.

Through work that ranges from broad conceptual studies to administrative and technical assistance, Institute researchers contribute to the stock of knowledge available to guide decision making in the public interest.

Conclusions or opinions expressed in Institute publications are those of the authors and do not necessarily reflect the views of staff members, officers or trustees of the Institute, advisory groups, or any organizations that provide financial support to the Institute.

Dedication

from John,
To Danny, and all the Fabillon family.

from Ron,
To his very supportive, very tolerant parents.

We wish to express deep gratitude to our colleagues at the Technical Assistance Training Corporation (TATC), who provided essential design, planning, and logistical support for the Home Mortgage Lending and Discrimination: Research and Enforcement Conference, sponsored by the U.S. Department of Housing and Urban Development (HUD) and held in Washington, D.C., on May 1819, 1993. Papers from that conference serve as the foundation for the current volume.

In particular, Irene Bocella at TATC provided invaluable help in managing the myriad details of the conference. In addition, Alan Skvirsky, President of TATC, and Jaynelle Ketchum provided support and management expertise at key points. Other staff at TATC who provided consistent support were Wynette Fouche-Gibson, Chaulka Creasy, and Marie Parette. We also express sincere thanks to all of the session moderators who helped to coordinate the conference.

Robert Avery, of Cornell University, Charles Finn, of the University of Minnesota, Zina Greene, an independent consultant, and Sandra Wilmore, of the Federal Trade Commission, served as advisers for the conference and offered highly useful advice on content. In the last several years a number of colleagues, some of whom are contributors to this volume, have graciously provided their comments, as well as data, on a number of fair lending issues. These individuals include George Galster, Calvin Bradford, Glenn Canner, Stuart Gabriel, John Yinger, John Simonson, Jonathan Brown, and Deborah Goldberg. Their generous help notwithstanding, the views expressed within the introductory chapters in this volume are those of the authors alone.

We express our appreciation to Steven Cross, at the Office of the Comptroller of the Currency, who facilitated obtaining the financial support of the Comptroller for the conference. Steve also provided substantive advice on conference design issues. In the Office of Fair Housing and Equal Opportunity at HUD, Laurence Pearl was an unfailing supporter and ally throughout the conference and during the preparation of this volume; Susan Forward offered advice during the final stages of conference preparation; and Peter Kaplan has given valuable guidance and opinions about current fair lending enforcement concerns, including legislative and regulatory issues.

HUDs former Assistant Secretary for Policy Development and Research (PD&R), John Weicher, provided initial funding for the fair lending conference. Both Assistant Secretary for PD&R, Michael Stegman, and Deputy Assistant Secretary Margery A. Turner, have subsequently provided important support and encouragement to complete this volume. In addition, a number of PD&R staff helped to guide the final stages of preparation for both the conference and this volume, particularly the late Heather Aveilhe, as well as Valery Dancy and Katherine OLeary in the Division of Research Utilization. Staff at Aspen Systems Corporation provided expert editorial assistance. We would also like to thank Scott Forrey of the Urban Institute Press, and Molly Ruzicka, who copy-edited the chapters in this volume, for all their great professional assistance. Dan Fabillon was a consistent source of support.

The conclusions and opinions expressed in this volume are those of the authors and do not necessarily represent the views of the U.S. Department of Housing and Urban Development, the Federal government, or the Urban Institute.

John Goering and Ron Wienk, Editors

Contents

John Gocring and Ron Wienk

John Yinger

Robert B. Avery, Patricia E. Beeson, and Mark S. Sniderman

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