American Mortgage Service

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

American Forces Press Service - The American Forces Press Service (AFPS) is the news service provided by the American Forces Information Service, part of the United States Department of Defence. It supplies news stories pertaining to the activities of U.

American Foreign Service Association - The American Foreign Service Association (AFSA), established in 1924, is the professional association of the United States Foreign Service. With over 12,000 members, AFSA represents 23,000 active and retired Foreign Service employees of the Department of State and Agency for International Development (AID), as well as smaller groups in the Foreign Agricultural Service (FAS), U.

American Red Cross Nursing Service - The American Red Cross Nursing Service was organized by Jane Arminda Delano (1862-1919). A nurse and member of the American Red Cross, Delano organized the nursing service as the reserve of the Army Nurse Corps to be ready just before the entry of the United States into World War I.

American Friends Service Committee - The American Friends Service Committee (AFSC) is a Religious Society of Friends (Quaker) affiliated organization which works for social justice, peace and reconciliation, abolition of the death penalty, and human rights, and provides humanitarian relief. The group was founded in 1917 as a combined effort by American members of the Religious Society of Friends and assisted civilian victims of war.

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