The Color of Credit – Table of Contents

The Color of Credit: Mortgage Discrimination, Research Methodology and
Fair Lending Enforcement

by Stephen L. Ross and John Yinger

Contents ▪   Synopsis ▪  Endorsements ▪  Reviews ▪  Excerpts Publisher ▪  Amazon ▪  Authors


Acknowledgments vii
1 Introduction 1
2 The Mortgage Market and the Definition of Mortgage Lending Discrimination 15
3 A Conceptual Framework for Mortgage Lending 49
4 The Literature on Mortgage Lending Discrimination up to and Including the Boston Fed Study 95
5 Evaluating Criticisms of the Boston Fed Study 107
6 Accounting for Variation in Underwriting Standards across Lenders 169
7 Other Dimensions of Discrimination: Pricing, Redlining,
and Cultural Affinity
8 Using Performance Data to Study Mortgage Discrimination: Evaluating the Default Approach 235
9 Lending Behavior, Loan Performance, and Disparate-Impact Discrimination 273
10 Implications for Fair-Lending Enforcement 313
A Technical Appendix 371
B Data Appendix 387
Notes 389
References 425
Name Index 443
Subject Index 449

J. Milton Yinger, book, Ethnicity: Source of Strength? Source of Conflict?

J. Milton Yinger

Ethnicity: Source of Strength? Source of Conflict?
State University of New York Press, 1994


Almost without exception, the societies of the world are multiethnic.  The decline of empires, the appearance of new states, the expansion of communication networks, demographic trends, the weakening of the legitimacy of state authority have brought ethnic relations into the spotlight.

The purpose of this book is to develop analytical tools, concepts, perspectives that can be used in a wide variety of circumstances, contributing not only to our understanding, but also to humane policies.  The author develops clear and reasonable usages for the central terms:  ethnic group, nation, race, pluralism, assimilation, and dissimilation, among others.  He documents the range of experiences covered in discussions of ethnicity.  Ethnic differences are involved in some of the world’s most intractable conflicts.  They are also experienced as the source of the most satisfying and the most essential aspects of life.


“Yinger is one of the world’s leading authorities on this subject; and this book provides a valuable distillation of his work and thought on this critical issue.  I like most, as I have for years in Yinger’s writing, his original thinking on both the macro- and micro-topics of the subject.  This book is not a mere rehash of what is known in the field.  It offers fresh, eve sometimes contrasting, viewpoints to the accepted wisdom in the field.”  T. F. Pettigrew, University of California, Santa Cruz.


“In all his discussions, the approach is carefully analytical, reflecting a skillful mind of an accomplished sociologist. Of special value are Yinger’s graphic representations of many issues discussed. There is also ample reference to statistics. Yinger, however, does not limit himself to invoking only sociological literature in the espousal of his arguments. He brings in ideas from historians, philosophers, literary works and even, in a few cases, poetry—an approach that only a senior sociologist can afford. This makes for interesting reading.” Wsevolod W. Isajiw, International Migration Review, Spring 1996, pp. 335-338.