to further discuss the topic we are speaking to jay fitzgerald and who interviewed the author of the report. jay, welcome to"urban update." thanks for coming in. >> reporter: thanks for having me . >> anchor: let's begin if we can just start by talking about where this information came from. >>> gym at the university of massachusetts boston has been doing this study for 20 years, he compiles it from data from the federal government, home it goes into great detail about mortgage applications, people's income, race, adaptive file, all of that information whether they got an application or not and so all of the data is all right there. it takes a lot of work like gym campen to get this done. it also by the way the massachusetts community and bank banking council sponsors this report every single year . >> anchor: now is this a report that banks look at? ceo's? carefully. they dread if their name didn't come up well, you know, closely monitor insisted by the banking community and by banking community activists . >> anchor: who should be looking at this? >>> everyone. basically, particula