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American General Mortgage
 The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement by Stephen L. Ross, 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.
General American Marks Company - The General American Marks Company is part of GATX Corporation, formerly the General American Transportation Company. General American - General American is a notional accent of American English based on speech patterns common in the Midwest of the United States and those used by many American network television broadcasters. It is also sometimes called Standard Midwestern. General American Transportation Corporation - General American Transportation Corporation or GATX (the company changed their name to their most common reporting mark) is a railway equipment leasing company. Unlike, for example, TTX which leases only rolling stock, or Motive Power International which primarily leases locomotives, GATX leases both. American General Aviation Corporation - American General Aviation Corporation, also known as AGAC, was an aircraft manufacturer, based in Greenville, Mississippi, USA between the late 1980s and 1993.
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