Lenders, realty brokers and others can discriminate against minorities at a variety of stages in the homebuying process, according to a task force study sponsored by the Federal Reserve Bank of Cleveland.

The task force - made up of 97 people from industries related to real estate - has found that subtle, sometimes inadvertent discrimination can occur when borrowers first meet realty brokers and lenders. when lenders deal with the secondary mortgage market, and when property is appraised.

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