1. As I understand it, there's no way at the moment to assign region appropriate names based on a girl's ethnicity. As it stands, random girls pull their names (appropriately) randomly from a single name file. In order to give girl's separate names for each ethnicity, someone would have to go through and create separate name files for each type of girl, add some kind of marker to every girl that they wanted to have the game look for an ethnicity of, and then code in something that *looks* for the tags that say which region each girl is from... just a ton of work for a minimal reward, methinks.
2. Pretty sure that the moms are the only ones that end up with MILF status when taking girls from non-paying customers, so I think you'd be safe.