1.Recent studies and investigation by the Federal Government and Justice department have revealed biased lending practices followed by banks in the US. Which of the following statements are true about the growing trend in mortgage lending malpractices?

1. Complaints and lawsuits filed by Consumer Financial Protection Bureau
2. Minority groups in many parts of US were denied loans from banks during past several decades
3. Redlining has emerged as a serious concern among regulators
4. Hudson City Savings Bank (NJ) have expanded location in minority communities and provided mortgage brokers
5. All of the above true except (d)

2.

. When interpreting capitalization rates, an increase in the rate value would imply a commercial property value has

1. decreased b. increased c. the discount rate used in time value of money has increased

d. the discount rate used in time value of money has decreased e. None of the above