Скачать или смотреть Discriminatory Appraisals - Combatting Undervalued Homes in Minority Communities

Despite widespread media attention regarding the problem of low valuations of homes for minority homebuyers, effective fair lending enforcement has been lacking. This video provides practical advice regarding the legal standards of liability and the ways to document instances of discrimination in residential appraisal practices.

Citations to case law and other authorities are provided to aid attorneys and investigators addressing appraisal discrimination cases.

00:00 Introduction

08:34 Introduction and Background (Importance of Home Ownership, Devaluation of Homes in Minority Communities, Racial Bias Driving a Significant Portion of the Devaluations, and Enforcement Challenges)

20:05 Laws & Theories of Liability in Appraisal Discrimination Cases (Fair Lending Laws, Theories of Liability. A. Disparate Treatment - (i) Direct Evidence - (ii) Indirect, Circumstantial Evidence) and B. Disparate Impact)

1:00:26 Gathering Evidence of Appraisal Discrimination (HMDA Data, Obtaining “Loan Level” Data, and Comparable File Analysis)

PowerPoint - Recognizing and Addressing the Undervaluation of Homes in Minority Communities - Combatting Appraisal Discrimination (updated)
https://go.thryv.com/v/dztvz2jost6uiw...

Sample Data Request Letter for Lending Complaints – Including Complaints Alleging Discrimination in Appraisal Practices https://go.thryv.com/v/dztvz2jost6uiw...