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Consumer-Lending Discrimination in the Fintech Era
Bartlett, Robert P. - 2019
Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable … interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of … racial/ethnic discrimination in the largest consumer-lending market using an identification afforded by the pricing of …
Persistent link: https://www.econbiz.de/10012858947
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Race, Ethnicity and High-Cost Mortgage Lending
Bayer, Patrick J. - 2015
This paper examines how high cost mortgage lending varies by race and ethnicity. It uses a unique panel data that … loans for African-American and Hispanic borrowers even after controlling for key mortgage risk factors: they have a 7.7 and … sorting across) mortgage lenders …
Persistent link: https://www.econbiz.de/10013031298
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On Fintech and Financial Inclusion
Philippon, Thomas - 2020
The cost of financial intermediation has declined in recent years thanks to technological progress and increased competition. I document this fact and I analyze two features of new financial technologies that have stirred controversy: returns to scale, and the use of big data and machine...
Persistent link: https://www.econbiz.de/10012831538
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Consumer Information and Price Discrimination : Does the Internet Affect the Pricing of New Cars to Women and Minorities?
Scott Morton, Fiona M.; Zettelmeyer, Florian; … - 2021
discrimination. The second part of the paper turns to the role of the Internet. Online minority buyers who use the Internet Referral …
Persistent link: https://www.econbiz.de/10013242893
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Measuring Bias in Consumer Lending
Dobbie, Will - 2018
This paper tests for bias in consumer lending decisions using administrative data from a high-cost lender in the United Kingdom. We motivate our analysis using a simple model of bias in lending, which predicts that profits should be identical for loan applicants from different groups at the...
Persistent link: https://www.econbiz.de/10012911705
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Race, Ethnicity, and Discriminatory Zoning
Shertzer, Allison - 2014
manufacturing activity in minority neighborhoods (environmental racism). However, identifying discrimination in these regulations is …
Persistent link: https://www.econbiz.de/10013054041
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Asian American Discrimination in Harvard Admissions
Arcidiacono, Peter; Kinsler, Josh; Ransom, Tyler - 2022
Detecting racial discrimination using observational data is challenging because of the presence of unobservables that … may be correlated with race. Using data made public in the SFFA v. Harvard case, we estimate discrimination in a setting …
Persistent link: https://www.econbiz.de/10013310818
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The Vulnerability of Minority Homeowners in the Housing Boom and Bust
Bayer, Patrick J. - 2013
This paper examines mortgage outcomes for a large, representative sample of individual home purchases and refinances …
Persistent link: https://www.econbiz.de/10013082419
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Trust in Lending
Thakor, Richard T. - 2018
competitive interactions between banks and non-bank lenders (fintech firms). Trust enables lenders to have assured access to …
Persistent link: https://www.econbiz.de/10012915235
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Relationship Banking and the Pricing of Financial Services
Calomiris, Charles W. - 2010
We investigate how banking relationships that combine lending and underwriting services affect the terms of lending, through both loan supply- and loan demand-side effects, and the underwriting costs of debt and equity issues. We capture and control for firm characteristics, including...
Persistent link: https://www.econbiz.de/10012760608