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This best-seller stands apart from others of its kind by its comparative approach, patient explanation, concern with policy, and ability to stimulate readers' interest. In a clear, accessible style, the authors demonstrate the important role that American states and communities play in the political life of the nation. Focuses on the sources and nature of conflict in states and communities, along with the structures and processes designed to manage conflict. Includes updates and new topics throughout, with refocused organization; discusses timely issues such as New York City's response to terrorism and the 2000 presidential race. Examines the background and career of prominent political figures, including Governor Jesse "The Body" Ventura, Mayor Rudolph Giuliani, and Dr. Martin Luther King Jr. Illustrates a wide variety of current political conflicts, covering issues such as the drinking age and the right to bear arms. Includes informative and entertaining discussion on various aspects of American states and communities such as state birds, nicknames, and ratings for the "most livable" states. provides end-of-chapter "On the Web" sections that direct students to links and additional information on the Internet. For anyone interested in learning more about the American political process.

In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

New York Public Interest Research Group - The New York Public Interest Research Group (NYPIRG) is a student activism and training organization. It has existed since 1973.

Adjustable rate mortgage - An adjustable rate mortgage or variable rate mortgage is a loan secured on a property (house) whose interest rate and so monthly repayment vary over time. Other forms of mortgage loan include interest only mortgage, fixed rate mortgage, Negative amortization mortgage, discounted rate mortgage and balloon payment mortgage.

Province of New York - The Province of New York (Dutch: Provincie Nieuw-Nederland or Provincie New York) was an English colony that existed roughly where the State of New York does now. The province originally claimed the current states of New Jersey and Vermont, along with coastal portions of Massachusetts and Maine.

New York Telephone - The New York Telephone Company (NYTel) was organized in 1896, taking over the New York City operations of the American Bell Telephone Company. American Telephone and Telegraph (AT&T) eventually acquired a controlling interest, and New York Telephone was an AT&T subsidiary until the AT&T breakup effective January 1 1984.

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