The Home Mortgage Disclosure Act was enacted to monitor minority and low-income access to the mortgage market. The data collected for this purpose show that minorities are more than twice as likely to be denied a mortgage as whites. Yet variables correlated with both race and creditworthiness...

Why another study of Massachusetts state government? In the past year, two Commissions established by the Governor have submitted reports, nonprofit citizen groups have come forth with lists of suggested reforms, and the legislature has had its own proposals. The goal of the study described here...