Issues Identified In The Mcp Process Of National Concern

As an added step to these projects, representatives from the Reserve Banks that conducted MCPs met to exchange their individual findings and experiences and also to discuss areas of common concern. Among the issues of common concern were access to homeowner's insurance, appraisals in redeveloping communities, steering by real estate agents and the use of credit scoring technology in the mortgage underwriting process. The last is the subject of the first installment, which provides the context for the next four installments on fair mortgage lending practices involving the use of credit scoring technology. The Federal Reserve Banks of Boston, Chicago, Cleveland, San Francisco, St. Louis and the Federal Reserve Board have representatives on the research committee, and they all have participated in this series.

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