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Discrimination News
Enforcement Of Consumer Protection And Anti Discrimination Laws
The Federal Financial Institutions Examination Council (FFIEC) today announced the availability of data for the year 2004 regarding mortgage lending transactions at 8,853 financial institutions covered by the Home Mortgage Disclosure Act (HMDA) in metropolitan statistical areas throughout the nation. The HMDA data made available today include disclosure statements for each financial institution, aggregate data for each metropolitan statistical area (MSA), nationwide summary statistics regarding lending patterns, and the Loan Application Register (LAR) submitted by each institution to its supervisory agency on March 1, 2005, modified for borrower privacy. The FFIEC prepares and distributes these data products on behalf of its member agencies--the Federal Deposit Insurance Corporation, Federal Reserve Board, National Credit Union Administration, Office of the Comptroller of the Currency, and Office of Thrift Supervision--and the Department of Housing and Urban Development.
The HMDA data made available today reflect new information collected for the first time in 2004, including information relating to loan pricing, whether a loan or application relates to manufactured housing, and whether a loan is secured by a first or subordinate lien, or is unsecured. The pricing data are intended to advance enforcement of consumer protection and anti-discrimination laws and to improve mortgage market efficiency. Loan price data and other HMDA data can be used by the agencies and others as a screening tool to identify aspects of the higher-priced mortgage market that warrant a closer look to determine whether there is abuse or discrimination. In addition, the 2004 data reflect changes in other data items, including revisions to the classification of applicants and borrowers by ethnicity and race. The changes in the data result from the Federal Reserve Board’s amendments to regulations implementing HMDA (Regulation C), finalized in 2002 and effective for data collected beginning January 1, 2004.
Age discrimination is illegal
The Age Discrimination Act of 1975 prohibits discrimination on the basis of age in programs and activities receiving federal financial assistance.
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News about Discrimination cases in Wisconsin and nationwide:
Discrimination on the Farm
When Mary Alice Leach stopped by Bland Farms in May 2000 to inquire about a laborer job at the country’s largest producer of Vidalia sweet onions, ... Read more >
Definition:
Essential to job performance. The knowledge, skills, abilities, and experience necessary to perform a particular job.
Protected Class
Definition:
The groups protected from employment discrimination by law. These groups include men and women on the basis of sex; any group, which shares a common race, religion, color, or national origin; people over 40; and people with physical or mental disability.
Ethnic Group
Definition:
A group of peoples who share a common religion, color, or national origin.
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