HOME MORTGAGE DISCLOSURE AND EQUAL CREDIT OPPORTUNITY HEARINGS BEFORE THE COMMITTEE ON BANKING, HOUSING AND URBAN AFFAIRS NINETY-FOURTH CONGRESS SECOND SESSION ON OVERSIGHT ON THE HOME MORTGAGE DISCLOSURE ACT NOVEMBER 23, 1976 Printed for the use of the Committee on Banking, 80-991 O U.S. GOVERNMENT PRINTING OFFICE WASHINGTON: 1977 For sale by the Superintendent of Documents, U.S. Government Printing Office Stock Number 052-070-03921-3 CONTENTS LIST OF WITNESSES Philip Jackson, Member, Board of Governors, Federal Reserve System---. Garth Marston, Acting Chairman, Federal Home Loan Bank Board___ Msgr. Geno Baroni, Center for Urban Ethnic Affairs-- Arthur Naparstek, University of Southern California – Carl Holman, National Urban Coalition__ Gale Cincotta, National Peoples' Action__. Prof. Pierre de Vise, University of Illinois_- Prof. Calvin Bradford, University of Illinois_-_. 188 276 Bradford, Calvin, associate director, Center for Urban Studies, University Brimmer, Andrew F., president, Brimmer & Co., Inc., statement before the 282 Commonwealth of Massachusetts, Office of Commissioner of Banks: 579 Disclosure directive_-_ 580 Letters to executives of Massachusetts financial institutions from 578 Progress report titled "The Massachusetts Experience and Future Role 557 Department of Housing and Urban Development: Letter from Secretary Carla A. Hills to Senator Proxmire___ de Vise, Pierre, University of Illinois, reprints of working papers for the |