This paper examines racial and ethnic differences in high cost mortgage lending in seven diverse metropolitan areas … lenders explains almost all of the racial and ethnic differences in high cost mortgage borrowing …

This study investigates the behavior of bank non-performing loans in the Fintech era. Using data from 35 developed … countries from 1998 to 2016, the findings show that non-performing loans are fewer in the second wave Fintech era. Also, bank …

Using 2013 and 2016 data, we compare the performance of unsecured consumer loans made by U.S. bank holding companies to … ratio, adjusted for statistical noise, and the minimum ratio gauges lending inefficiency. In 2013 and 2016, the largest bank … similar to the high average efficiency of the largest bank lenders - a conclusion that may not be applicable to other fintech …

We compare the performance of unsecured personal installment loans made by traditional bank lenders with that of … statistical noise. In 2013 and 2016, the largest bank lenders experienced the highest ratio of nonperformance, the highest … inherent credit risk, rather than by lending inefficiency. LendingClub’s performance was similar to small bank lenders as of …

well as bank risk-taking, growth, and operating costs. We use a difference-in-differences approach, making use of the fact … evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of … in large "jumbo" mortgages. We find no clear evidence of substitution in lending between bank and nonbank subsidiaries …

deceitful and even fraudulent means, we consider it as a systemic issue: as a problem of social discrimination, where belonging … for which are monopoly power, where the consumer is locked in a bilateral credit relationship; discrimination through risk … Problem: als ein Problem der sozialen Diskriminierung, bei dem die Zugehörigkeit zu einer statistisch diskriminierten Gruppe …