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
TABLE OF CONTENTS
| 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 |
213 |
| 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 |
| Appendixes | ||
| A | Technical Appendix | 371 |
| B | Data Appendix | 387 |
| Notes | 389 | |
| References | 425 | |
| Name Index | 443 | |
| Subject Index | 449 |