by Stephen L. Ross and John Yinger

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ENDORSEMENTS

“This book provides the most comprehensive review to date of what we know and do not know about mortgage-lending discrimination.  More important, it offers readily available tools that fair-lending enforcement agencies can utilize to ensure that all applicants will be treated in a fair and equitable manner, free from any fear of racial discrimination.”
Gregory Squires, Department of Sociology, George Washington University

“This is a splendid book.  Ross and Yinger have synthesized the economic theories of mortgage-market discrimination and the empirical evidence of its magnitude in the American mortgage market.  The result is a model of careful research and judicious analysis on an important topic.”
John M. Quigley, Department of Economics, University of California, Berkeley

“Ross and Yinger use their clever conceptual and empirical analyses to cut through the rhetorical fog obscuring the issue of mortgage-market discrimination.  Their path-breaking test for discrimination provides the foundation for the next generation of research and enforcement initiatives.”
George Galster, Hilberry Professor of Urban Affairs, Wayne State University