[Read free] Discriminating Risk: The U.S. Mortgage Lending Industry in the Twentieth Century
▲ Guy Stuart ▲
| #3335610 in Books | Cornell University Press | 2003-05-15 | Original language:English | PDF # 1 | 9.32 x.90 x6.38l,1.16 | File Name: 0801440661 | 272 pages |
||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 underwritin||"Stuart changes our understanding of the nature of risk, economic rationality, and discrimination. This impressive study has the potential to spur new lines of inquiry into housing markets, housing finance, and the governmental policy that regulates them. Sum
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, whi...
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