A look at how the quantity and source of information flowing to lenders can affect their credit decisions, and an …

Using a proprietary dataset of credit bureau records, Cohen-Cole (2008) finds that banks set credit limits on revolving … evidence presented in that working paper using the same proprietary database of credit bureau records. The replication effort …

The widespread use of credit scoring in the underwriting and pricing of mortgage and consumer credit has raised … nationally representative sample of credit bureau records with demographic information from the Social Security Administration … and a demographic information company, we examine the extent to which credit history scores may have such a disparate …

The Equal Credit Opportunity Act (ECOA) prohibits discrimination in any aspect of a credit transaction based on sex … financial institutions to distinguish between two categories of credit factors influenced by illegal discrimination in other … markets: a) credit factors that have a disparate impact but demonstrably affect risk (so long as a less discriminatory …

present for those with higher incomes or those with no credit problems. Thus, the claim that non-economic discrimination is a …