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Discriminating Risk: The U.S. Mortgage Lending Industry in the Twentieth Century

Guy Stuart




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 | #3334710 in Books |  Cornell University Press |  2003-05-15 | Original language:English | PDF # 1 |  9.32 x.90 x6.38l,1.16 | File type: PDF | 272 pages

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||4 of 4 people found the following review helpful.| Discriminating Risk Deserves a Closer Look|By Chicagoist|Guy Stuart has presented in a very cogent and readable way some of the reasons why discrimination and segregation persist in U.S. housing markets and it may not be for the reasons most assume. Stuart illustrates how conceptions of "value", particularly in the process of property appraisals, risk estimation in underwriting

The U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, whil...

You can specify the type of files you want, for your device.Discriminating Risk: The U.S. Mortgage Lending Industry in the Twentieth Century   |  Guy Stuart. I really enjoyed this book and have already told so many people about it!

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