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Heckman, J., and P. Siegelman 1993 The Urban Institute studies: Their methods and findings. In Clear and Convincing Evidence: Testing for Discrimination in America , M. Fix and R. Struyk, eds. Washington, D.C. : Urban Institute Press .

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Smith, R., and M. Delair 1999 New evidence from lender testing: Discrimination at the pre-application stage. In Mortgage Lending Discrimination: A Review of Existing Evidence , M. Turner and F. Skidmore, eds. Urban Institute Monograph Series on Race andDiscrimination. Washington, DC : Urban Institute Press .

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