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 Community Reinvestment Act (CRA) of 1977 encourages federally insured banking institutions to help meet the credit …

borrowers in lower-income and minority neighborhoods may face reduced access to mortgage credit. ; This article examines the …-97 period, both in terms of total lending and lending to lower-income and minority borrowers and neighborhoods. Because credit …

on their records of helping to meet the credit needs of their local communities. In 1995, the agencies responsible for …