Case Study: Mortgages for Black FamiliesBy Kathleen Higgens and Robert SolomonFACTS: You are an assistant branch manager
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Case Study: Mortgages for Black FamiliesBy Kathleen Higgens and Robert SolomonFACTS: You are an assistant branch manager at a bank where a black family has just been turned down for a mortgage, despite a good joint income and an excellent credit rating. You know that this is a common practice in this branch, because the branch manager believes that, in general, "minorities are a bad risk." The family asks you why their mortgage has been turned down.QUESTIONS:
- 1. Who are the stakeholders?
- 2. What additional facts, if any, would you like to know before completing your analysis?
- 3. What ethical issues are involved at each of the Seven Levels of Integrity (nothing that not every case will have an issue at every level)?
- Law
- Contracts and agreements
- Professional standards
- Industry standards
- Local, regional, and area standards
- Personal relationships
- Moral and religious standards
- 4. What are the alternatives?
- 5. How does each alternative effect each stakeholder with respect to each ethical issue?
- 6. What is the best answer and why?
- How do you answer them?
- What do you do?
- Do you agree with the branch manager?
- Would you do anything differently if you were the
- branch manager?
- Is it ethical for you to continue to work for this bank?
Related Book For
Constitutional Law Governmental Powers and Individual Freedoms
ISBN: 978-0135109502
2nd edition
Authors: Daniel Hall, John Feldmeier
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