Racial Dispersion in Consumer Credit Interest RatesDivisions of Research & Statistics and Monetary Affairs, Federal Reserve Board, 2007 - Discrimination in consumer credit - 33 pages |
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accept/reject margin accounting for selection Adam Copeland analysis Andrew Cohen April Athanasios Orphanides automobile loans Bankruptcy and Delinquency bankruptcy risk baseline model basis points Brian Sack Cavalluzo confidence level Consumer Credit Consumer Expenditure Survey consumer loans consumer loans issued costs of issuing credit card loans credit markets credit scores default rates degree of unexplained disparity in consumer dispersion in interest dummy Economics Discussion Series empirical estimated Finance and Economics financial characteristics financial costs Hannan heterogeneity in interest homeownership households holding households with debt included Interest rate regressions issuing debt Jonathan H lenders loan markets loan terms Loan Type loans originated minorities Monetary Policy Mortgage Discrimination non-white households November October predicted default risk Prices probit profitable PSID race coefficient reservation interest rates Risk-based Pricing robust role second mortgages selection bias statistical discrimination statistically significant Table Timothy H unexplained heterogeneity unexplained racial dispersion unexplained racial heterogeneity VA loans