Kirwan Institute Connects the Dots

Kirwan InstituteThe Kirwan Institute recently shared with us their October 2014 response to the Consumer Financial Protection Bureau’s proposal to update Home Mortgage Disclosure Act (HMDA) data.   Generally speaking, most of us may not find reading responses to rule-making very exciting. However, we highly recommend this Kirwan Institute memo.  It comments on proposed regulations for data reporting by first outlining how these regulations advance the public good and then it uses this framework for addressing its concerns about subsections of the regulations.  The Kirwan Institute turned what could have been solely a technical response to proposed regulations into a document that helps audiences see the connection between data reporting and advancing fair lending practices and confronting racial bias.  We highly recommend looking at this piece as an example of how to critique government while upholding its public value.

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