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This paper tests for the presence of age and gender discrimination in the loan underwriting process. We modify the tools used during the past exams to test for racial discrimination and apply them here to test for the presence of disparate treatment on the basis of age and gender. Using HMDA data More information...
Audience: Researcher
Type of Resource: Working paper
Tags: Fair Lending practices
Date: 8/1/2005
A manual review of applications is an important component of statistically modeled fair lending exams. How files to review are identified affect both resource allocation and reliability of conclusions. This study uses Monte Carlo simulation to compare how six outlier identification strategies More information...
Audience: Researcher
Type of Resource: Working paper
Tags: Fair Lending practices
Date: 9/1/2005
Rapid growth in subprime lending over the past decade has led to rising concerns about abusive practices by subprime lenders. By early 2004, those concerns prompted Georgia and more than 30 other states to pass laws designed to eliminate abusive or predatory lending practices by the financial More information...
Audience: Researcher
Type of Resource: Working paper
Tags: Predatory Lending
Date: 9/1/2004