"More than a decade after the 2008 financial crisis, African Americans and other individuals are still struggling to hold on to their homes. In this book, we examine the inequitable treatment of African Americans under the United States' current financial system. From 2008 to the third quarter...

The consumer lending “revolution” - with its promise of the democratisation of credit - has been followed by the credit crunch. The credit crunch has stimulated both immediate regulatory initiatives and more fundamental reflection on consumer credit regulation. As the Turner review in the UK...

This paper analyzes whether in Italy the price of consumer loans is based on borrower specific risk. Mispricing could threat financial stability through negative effects on lenders' profitability; risk-based pricing also leads to a more efficient allocation of credit through lower prices for...