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A Regulator's View Of Banks In Community Development, Frank Wille
A Regulator's View Of Banks In Community Development, Frank Wille
Vanderbilt Law Review
By and large, the nation's banks have not publicized the story of their significant, sometimes crucial, role in community development. For this low-profile approach, they have paid a high price in lack of public understanding and legislative empathy. Their record,however, is impressive, particularly if "community development" is broadly defined to include the various forms of assistance that banks render to state and local governments that sponsor or finance community development projects.
Residential Mortgage Lending: Charting A Course Through The Regulatory Maze, William F. Earthman
Residential Mortgage Lending: Charting A Course Through The Regulatory Maze, William F. Earthman
Vanderbilt Law Review
One specific issue addressed by this symposium is the practice of "redlining." If what is meant by "redlining" is discrimination in residential mortgage lending, I am certainly opposed to such a practice. If, however, what is meant by "redlining" is the consideration and analysis of the effect of the surrounding neighborhood on the property which secures a particular residential mortgage loan, then there are other problems which must be addressed and focused upon. It has been stated that a lender redlines a specific geographic area located within the larger geographic area normally serviced by that lender when the lender refuses …
Financial Institutions, Municipal Finance, And Community Development, J. Dewey Daane
Financial Institutions, Municipal Finance, And Community Development, J. Dewey Daane
Vanderbilt Law Review
An overview of the very complex aspects of community development as they relate to financial institutions may be put into context with a reiteration of one of the basic tenets of American philosophy as stated in the Housing Act of 1949; that it be the policy of the United States Government to provide every American family "a decent home and a suitable living environment." As we narrow our focus to the more specific problem of decaying urban neighborhoods, we are faced immediately with the question of responsibility.