唤起
发表于 2025-3-28 17:17:48
Massimiliano Pieraccini,Lapo Miccinesisuggest that black-owned banks may utilize applicant race in the mortgage granting decision. The result holds in a naive HMDA model and in an enhanced HMDA model with bank-specific, demographic, and neighborhood characteristics added.
比喻好
发表于 2025-3-28 20:23:52
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加强防卫
发表于 2025-3-29 00:23:27
Introduction,ting discrimination in the provision of financial services on the basis of race, gender, and marital status, among other factors, questions concerning the existence of racial discrimination in such areas as home mortgage loans and small business credit continue and confound public policy makers.
osteocytes
发表于 2025-3-29 03:10:15
Strategic Responses to Bank Regulation: Evidence From HMDA Data,of noneconomic borrower characteristics. We evaluate situations in which banks may find it in their self interest to respond to regulation in a strategic manner intended to improve public relations and appease regulators rather than to adhere to the true spirit of the regulation. We find some evidence consistent with such behavior.
好忠告人
发表于 2025-3-29 09:42:54
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Mobile
发表于 2025-3-29 13:09:19
Discrimination in Financial Services: How Should We Proceed?,y tight boundary between these two issues. I think we ought to know a lot more about households and about businesses. I think we ought to use existing data, and on occasion, we ought to get new data. And, I think we ought to use structural models of behavior.
Gustatory
发表于 2025-3-29 16:32:13
Book 1997S. prohibiting discrimination in the provisionof financial services on the basis of race, gender, and maritalstatus, among other factors, questions concerning the existence ofracial discrimination in such areas as home mortgage loans and smallbusiness credit continue, and confound public policy make
condescend
发表于 2025-3-29 20:53:50
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某人
发表于 2025-3-30 03:38:39
Rosemary K. Thomas,M. Helen Santhiortgage loans on properties located there. At the outset, I want to point out that the race of potential mortgagors was not considered in the initial redlining studies and assertions nor was it the direct concern of the groups or politicians who worked to enact the Community Reinvestment Act (CRA).
来这真柔软
发表于 2025-3-30 05:29:24
Discrimination in Financial Services: What Do We Not Know?,ortgage loans on properties located there. At the outset, I want to point out that the race of potential mortgagors was not considered in the initial redlining studies and assertions nor was it the direct concern of the groups or politicians who worked to enact the Community Reinvestment Act (CRA).