Home Mortgage Disclosure and Equal Credit Opportunity: Hearings Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-fourth Congress, Second Session ... November 23, 1976 |
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Page 57
... census tracts , or programed to show certain relationships ( i.e. all loan to value ratio s of less than 80 % etc. ) . 4. The Loan Manual . You have requested a copy of the loan manual . You are told that there is no loan policy manual ...
... census tracts , or programed to show certain relationships ( i.e. all loan to value ratio s of less than 80 % etc. ) . 4. The Loan Manual . You have requested a copy of the loan manual . You are told that there is no loan policy manual ...
Page 68
... census tract or zip code . 2. Use to identify patterns of disinvestment 3. Must be familiar with housing patterns . a . Census data b . Drive through areas C. Knowledgeable sources - e.g. H.U.D. 4. Reasons for lack of loans a . No ...
... census tract or zip code . 2. Use to identify patterns of disinvestment 3. Must be familiar with housing patterns . a . Census data b . Drive through areas C. Knowledgeable sources - e.g. H.U.D. 4. Reasons for lack of loans a . No ...
Page 74
... census tract information in the FHIS , the Board made no attempt to identify associations " which seemed to be avoiding making real estate loans to ... minority neighborhoods . " The Board's initial impression of these examination ...
... census tract information in the FHIS , the Board made no attempt to identify associations " which seemed to be avoiding making real estate loans to ... minority neighborhoods . " The Board's initial impression of these examination ...
Page 79
... census tract basis which is necessary for more reliable analysis of our neighborhoods . Without such documentation , the requirement for census tracts in the second year may weaken especially if it is heavily petitioned by lending ...
... census tract basis which is necessary for more reliable analysis of our neighborhoods . Without such documentation , the requirement for census tracts in the second year may weaken especially if it is heavily petitioned by lending ...
Page 94
... census tract or zip code . 5 To allow for consistency in interpreting the material , financial institutions are required to use a uniform reporting sheet . Loans made within an SMSA will be listed according to census tract after the ...
... census tract or zip code . 5 To allow for consistency in interpreting the material , financial institutions are required to use a uniform reporting sheet . Loans made within an SMSA will be listed according to census tract after the ...
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Common terms and phrases
agencies ALBANY PARK applicant applicant's appraisal AUBURN GRESHAM Board census tract CHAIRMAN CHICAGO LAWN COMMUNITY AREA community groups Comparison of Neighborhood CONSUMER LOANS conventional home loans creditor creditworthiness depository institution disclosure data DISCRIMINATION A Comparison disinvestment enforcement Equal Credit Opportunity Federal Reserve Federal Reserve System Federal Savings FHA loans financial institutions GAGE PARK given neighborhood home improvement loans Home Mortgage Disclosure housing market income institution for given investment July proposal lenders LENDING DISCRIMINATION loans plus total marital status Mortgage Disclosure Act mortgage loans National Bank Non-redlined neighborhood One-year's lending figures PARK programs real estate Real Estate Appraisers Redlined neighborhood regulations reinvestment reported 9/30/76 according represent total conventional request Savings & Loan Savings and Loan Section SMSA SOUTH DEERING SOUTH LAWNDALE South Shore spouse tion total conventional home total home improvement units urban Washington ZIP code(s zone
Popular passages
Page 525 - It is the policy of the United States to provide, within constitutional limitations, for fair housing throughout the United States.
Page 49 - To make, print, or publish, or cause to be made, printed, or published any notice, statement, or advertisement, with respect to the sale or rental of a dwelling that indicates any preference, limitation, or discrimination based on race, color, religion, or national origin, or an intention to make any such preference, limitation, or discrimination.
Page 521 - Commission, notwithstanding that such rule or regulation may, after such act or omission, be amended or rescinded or be determined by judicial or other authority to be invalid for any reason.
Page 517 - For the purpose of the exercise by any agency referred to in subsection (a) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this title shall be deemed to be a violation of a requirement imposed under that Act.
Page 514 - No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of subsections (a) and (b).
Page 504 - The Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation...
Page 491 - Development or any other officer or agency of the Federal Government or under or in connection with a housing or urban development program administered by any other such officer or agency; or (iii...
Page 485 - ... any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made and such person makes the disclosures to the consumer required under any applicable federal or state law or regulation.
Page 433 - Act. (b) It shall not constitute discrimination for purposes of this title for a creditor — (1) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness...
Page 420 - Open end credit" means consumer credit extended on an account pursuant to a plan under which (1) the creditor may permit the customer to make purchases or obtain loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide...