Race and Ethnicity in the Horn of Africa - Strategy Leader

Answer: The revised ethnicity and race categories take effect for applications received on or after January 1, 2004. A lender should not use the revised categories for collecting HMDA data before that date, unless the lender is certain that the application will not receive final action until 2004 (e.g., because it was received on December 30, 2003). . Using the revised categories for applications received in 2003 could result in reporting errors on the 2003 HMDA Loan Application Register (HMDA LAR).

Definitions of Ethnicity and Race What is ethnicity

21/02/2018 · Definitions of Ethnicity and Race What is ethnicity
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Race and Ethnicity Sociology Ch

Post-2003 use of old race/national origin categories. In 2004, may a lender take an application using an application form containing the old race and national origin categories?

Slide 1 Race and Ethnicity Sociology Ch

Answer: No, after 2003 a lender must use application forms with the revised race and ethnicity categories. A lender may not, for example, use application forms with the old categories to exhaust its supply of forms. If a lender provides a consumer an application form with the old categories in 2003, the completed form is dated in 2003, and the lender receives the application in 2004, the lender may use . Lenders and brokers are responsible for ensuring, however, that application forms provided to consumers on and after January 1, 2004, contain the revised categories.

What is the difference between race and ethnicity? - …
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Historical race concepts - Wikipedia

Pre-2004 use of revised categories. May a lender use the revised race and ethnicity categories to collect monitoring information before January 1, 2004?

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Telephone applicant declines to provide race, ethnicity or sex. If an applicant declines to provide the race, ethnicity, or sex in an application taken entirely by mail, Internet, or telephone, should the lender attempt to identify the missing information --- for example, based on the applicant's voice or surname?

Answer: No. If an application is taken entirely by mail, Internet, or telephone, and the applicant declines to provide information on ethnicity, race, or sex, the lender must use the code for "information not provided by applicant in mail, Internet, or telephone application."

Ethnicity | Definition of Ethnicity by Merriam-Webster

Three do-not-wish-to-furnish boxes. The sample data collection form in Appendix B contains, for each applicant, one box for the applicant to indicate "I do not wish to furnish this information." In place of one box for all three fields (ethnicity, race, sex), may a lender place a do-not-wish-to-furnish box in each of the three fields?

Answer: Yes. A lender may place a box indicating "I do not wish to furnish this information" under each of the three field titles (ethnicity, race, sex) instead of a do-not-wish-to-furnish box that applies to all three fields as a group. Similarly, in a telephone application a lender may wait to read the do-not-wish-to-furnish option until the lender has reviewed the selections in each field, or the lender may decline altogether to state that option expressly so long as (a) the applicant is clearly informed that providing the information, though encouraged, is not required, and (b) if the applicant declines to provide any part of the information, the lender so indicates.