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The Home Mortgage Disclosure Act: A Synopsis and Recent Legislative History

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  • Patricia A. McCoy

    ()
    (University of Connecticut School of Law, 65 Elizabeth Street, Hartford, CT 06105)

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    Abstract

    This article describes the provisions of the federal Home Mortgage Disclosure Act (HMDA), tracing its legal evolution since 1989, when Congress expanded HMDA to require reporting of home mortgage lending by ethnicity and race. HMDA requires most lenders to report the demographic makeup and geographic distribution of home mortgages to the federal government. The 1989 amendments and later developments transformed HMDA from a law exclusively concerned with geographic disinvestment to one concerned with lending disparities by ethnicity and race. In the process, HMDA evolved from an obscure reporting statute to a flashpoint for debates over lending discrimination and subprime lending.

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    File URL: http://aux.zicklin.baruch.cuny.edu/jrer/papers/pdf/past/vol29n4/03.381_398.pdf
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    Bibliographic Info

    Article provided by American Real Estate Society in its journal journal of Real Estate Research.

    Volume (Year): 29 (2007)
    Issue (Month): 4 ()
    Pages: 391-398

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    Handle: RePEc:jre:issued:v:29:n:4:2007:p:381-398

    Contact details of provider:
    Postal: American Real Estate Society Clemson University School of Business & Behavioral Science Department of Finance 401 Sirrine Hall Clemson, SC 29634-1323
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    Web page: http://www.aresnet.org/

    Order Information:
    Postal: Diane Quarles American Real Estate Society Manager of Member Services Clemson University Box 341323 Clemson, SC 29634-1323
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    Web: http://aux.zicklin.baruch.cuny.edu/jrer/about/get.htm

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    Cited by:
    1. Zsuzsa Huszár & George Lentz & Wei Yu, 2012. "Does mandatory disclosure affect subprime lending to minority neighborhoods?," Journal of Economics and Finance, Springer, vol. 36(4), pages 900-924, October.
    2. Richter, Francisca G.-C. & Craig, Ben R., 2013. "Lending patterns in poor neighborhoods," Journal of Economic Behavior & Organization, Elsevier, vol. 95(C), pages 197-206.

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