Minority neighborhoods in large metropolitan areas could bear the brunt of problems created by payment shock on adjustable-rate loans. That was one of the major conclusions of a study released last week by the Association of Com-munity Organizations for Reform Now, or ACORN, which used data submitted by 15 large lenders under the Home Mortgage Disclosure Act in 2005 to exam-ine the impact of ARM rate resets. ACORN estimates that the sample...