PRIOR TO 1992, DISCUSSIONS of mortgage discrimination often revolved around whether or not discrimination existed. Since then, a series of studies documenting large and systematic disparities in mortgage flows to minorities has changed the terms of the debate. As the industry rolls up its sleeves to increase mortgage flows to minorities and the Clinton administration steps up its monitoring and enforcement efforts, benchmarks of financing and homeownership that reflect the demographic characteristics of each racial group will be needed to assess industry progress and performance.

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