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

   • Robert B. Avery
   • Patricia E. Beeson
   • Paul S. Calem

   OriginalPaper Pages: 9 - 42

2. Mortgage Lending, Race, and Model Specification

   • David K. Horne

   OriginalPaper Pages: 43 - 68

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

   • Douglas D. Evanoff
   • Lewis M. Segal

   OriginalPaper Pages: 69 - 93

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

   • Andrew Holmes
   • Paul M. Horvitz
   • Joe F. James

   OriginalPaper Pages: 95 - 108

5. A RECONSIDERATION OF DISCRIMINATION IN MORTGAGE UNDERWRITING WITH DATA FROM A NATIONAL MORTGAGE BANK

   • Eric Rosenblatt

   OriginalPaper Pages: 109 - 131

6. Discrimination Resulting from Overage Practices

   • Marsha Courchane
   • David Nickerson

   OriginalPaper Pages: 133 - 151

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

   • Michael F. Ferguson
   • Stephen R. Peters

   OriginalPaper Pages: 153 - 168

8. The Economics of Low-Income Mortgage Lending

   • Fred Phillips-Patrick
   • David Malmquist
   • Clifford Rossi

   OriginalPaper Pages: 169 - 188

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

   • HAROLD A. Black
   • M. Cary Collins
   • Ken B. Cyree

   OriginalPaper Pages: 189 - 204

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

    • Susan Wachter

    OriginalPaper Pages: 205 - 208

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

    • George J. Benston

    OriginalPaper Pages: 209 - 213

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

    • Robert Townsend

    OriginalPaper Pages: 215 - 217

13. Financial Economists Roundtable

    OriginalPaper Pages: 227 - 232