Influence of the Federal Housing Administration on Mortgage Lending Policy

1939 ◽  
Vol 15 (1) ◽  
pp. 1 ◽  
Author(s):  
Frederick M. Babcock
Keyword(s):  
Mortgage Lending ◽  
Federal Housing Administration ◽  
Federal Housing ◽  
Lending Policy

How the City Survey’s Redlining Maps Were Made: A Closer Look at HOLC’s Mortgagee Rehabilitation Division

2021 ◽  
pp. 153851322110133
Author(s):  
Todd M. Michney
Keyword(s):  
United States ◽  
The United States ◽  
Mortgage Lending ◽  
Urban Neighborhoods ◽  
Private Industry ◽  
Federal Housing Administration ◽  
Federal Housing ◽  
The City ◽  
Made In

The infamous “security maps” made in the 1930s by the Home Loan Owners’ Corporation (HOLC), rating supposed mortgage lending risk in urban neighborhoods across the United States, have long been considered the quintessential expression of racist redlining policy. However, a number of misunderstandings and unwarranted speculations about how these maps were made and used have proliferated. Using previously unexamined correspondence, this article establishes that HOLC could not have used the maps for loan denials, did share them with the Federal Housing Administration but not with private industry, and highly improvised their production with numerous methodological inconsistencies, including with regard to race.

scholarly journals Estudio comparativo de las fusiones de los bancos comerciales para las décadas de 1980 y 1990

1997 ◽  
Vol 2 (2 Invierno) ◽  
pp. 75
Author(s):  
María del R. Nevárez Ramírez
Keyword(s):  
Puerto Rico ◽  
Federal Housing Administration ◽  
Federal Housing

Sinopsis de las siguientes tesis:Evaluación del esfuerzo de mercadeo en la industria de las artes escénicas en Puerto Rico, El impacto de los cambios en la reglamentación de la Federal Housing Administration sobre los ingresos de la Banca Hipotecaria Puertorriqueña, Análisis de variables que influyen en el rendimiento de las acciones de corporaciones de Puerto Rico mercadeadas públicamente, La hiperinflación en Argentina, Brasil y México: Un caso estudio, Estudio comparativo de las fusiones de los bancos comerciales para las décadas de 1980 y 1990, Control de materiales: Reduciendo costos mediante un programa de minimización de desperdicios.

scholarly journals Evaluación del esfuerzo de mercadeo en la industria de las artes escénicas en Puerto Rico

1997 ◽  
Vol 2 (2 Invierno) ◽  
pp. 71-72
Author(s):  
Miguel A. Diffoot Santiago
Keyword(s):  
Puerto Rico ◽  
Federal Housing Administration ◽  
Federal Housing

Sinopsis de las siguientes tesis:Evaluación del esfuerzo de mercadeo en la industria de las artes escénicas en Puerto Rico, El impacto de los cambios en la reglamentación de la Federal Housing Administration sobre los ingresos de la Banca Hipotecaria Puertorriqueña, Análisis de variables que influyen en el rendimiento de las acciones de corporaciones de Puerto Rico mercadeadas públicamente, La hiperinflación en Argentina, Brasil y México: Un caso estudio, Estudio comparativo de las fusiones de los bancos comerciales para las décadas de 1980 y 1990, Control de materiales: Reduciendo costos mediante un programa de minimización de desperdicios.

Racialization and the State: The Housing Act of 1934 and the Creation of the Federal Housing Administration

2000 ◽  
Vol 43 (2) ◽  
pp. 291-317 ◽  
Author(s):  
Kevin Fox Gotham
Keyword(s):  
Racial Discrimination ◽  
State Policy ◽  
Policy Formation ◽  
The State ◽  
Central Component ◽  
Federal Housing Administration ◽  
Federal Housing ◽  
The Creation ◽  
Corporate Interests ◽  
The Impact

Research examining the impact of corporate interests, state structures, and class contradictions on the state policy formation process has been dominated by three major theoretical perspectives: business dominance theory, state-centered theory, and Marxian structuralism. I argue that these existing perspectives pay insufficient attention to race and racial discrimination as a central component in the formulation and implementation of state policy. This article uses the concept of racialization to reframe existing theories of the state to explain the origin of the Federal Housing Administration (FHA) through the Housing Act of 1934. As an integral component of New Deal legislation, the FHA was created for the purpose of salvaging the home building and finance industries that had collapsed during the Great Depression. I draw on government housing reports and analyses, real estate industry documents, and congressional testimony to examine the racial dynamic of the FHA's housing policies and subsidies. The analysis demonstrates the value of employing a racialization framework to account for the racial motivations surrounding the origin of state policies, the racial basis of corporate interests, and the impact of race and racial discrimination on the creation and development of state structures.

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