Racial dispersion in consumer credit interest rates
Divisions of Research & Statistics and Monetary Affairs, Federal Reserve Board, 2007 - Social Science - 33 pages
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accounting for selection Adam Copeland aﬁer accounting analysis Andrew Cohen April Athanasios Orphanides automobile loans bankruptcy risk baseline model basis points Brian Sack Cavalluzo coeﬁicients conﬁdence level consumer loans consumer loans issued costs of issuing credit card loans credit markets credit scores default rates deﬁned dispersion in interest Economics Discussion Series Edelberg Education Loan empirical estimated Finance and Economics ﬁnancial characteristics ﬁnancial costs ﬁnd ﬁnding ﬁrst mortgages Hannan heterogeneity in interest homeownership households holding indicator variable Inﬂation insigniﬁcant Interest rate regressions issuing debt Jonathan Jonathan H Joumal lenders loan markets loan terms loans originated minorities Monetary Policy Mortgage Discrimination non-white households November October predicted default risk prejudicial discrimination Prices probit proﬁtable PSID race coefﬁcient reﬂect reservation interest rates Risk-based Pricing robust role second mortgages selection bias signiﬁcant degree speciﬁcations statistical discrimination statistically signiﬁcant Table Timothy H unexplained heterogeneity unexplained racial dispersion unexplained racial heterogeneity