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How banks can self-monitor their lending to comply with the equal credit opportunity act

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  • James H. Gilkeson
  • Drew B. Winters
  • Peggy D. Dwyer
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    Abstract

    The authors provide a step-by-step discussion of how an individual lender in the United States can self-monitor its loan process for compliance with the Equal Credit Opportunity Act and provide an empirical example for illustration. Along the way, they discuss the problems faced by individual lenders who attempt to self-monitor their lending process and conclude with a discussion of the continuing, constructive role for bank examiners and regulators in this endeavor.

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    File URL: http://research.stlouisfed.org/publications/review/03/09/Gilkeson.pdf
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    Bibliographic Info

    Article provided by Federal Reserve Bank of St. Louis in its journal Review.

    Volume (Year): (2003)
    Issue (Month): Sep ()
    Pages: 7-22

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    Handle: RePEc:fip:fedlrv:y:2003:i:sep:p:7-22:n:v.85no.5

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    Related research

    Keywords: Regulation B: Equal Credit Opportunity;

    References

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    Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    1. Munnell, Alicia H. & Geoffrey M. B. Tootell & Lynn E. Browne & James McEneaney, 1996. "Mortgage Lending in Boston: Interpreting HMDA Data," American Economic Review, American Economic Association, American Economic Association, vol. 86(1), pages 25-53, March.
    2. Elliehausen, Gregory E & Lawrence, Edward C, 1990. "Discrimination in Consumer Lending," The Review of Economics and Statistics, MIT Press, vol. 72(1), pages 156-60, February.
    3. Hunter, William C & Walker, Mary Beth, 1996. "The Cultural Affinity Hypothesis and Mortgage Lending Decisions," The Journal of Real Estate Finance and Economics, Springer, Springer, vol. 13(1), pages 57-70, July.
    4. David W. Blackwell & Drew B. Winters, 1997. "Banking Relationships And The Effect Of Monitoring On Loan Pricing," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 20(2), pages 275-289, 06.
    5. Petersen, Mitchell A & Rajan, Raghuram G, 1994. " The Benefits of Lending Relationships: Evidence from Small Business Data," Journal of Finance, American Finance Association, American Finance Association, vol. 49(1), pages 3-37, March.
    6. Avery, Robert B. & Bostic, Raphael W. & Samolyk, Katherine A., 1998. "The role of personal wealth in small business finance," Journal of Banking & Finance, Elsevier, Elsevier, vol. 22(6-8), pages 1019-1061, August.
    7. Melnik, Arie & Plaut, Steven, 1986. " Loan Commitment Contracts, Terms of Lending, and Credit Allocation," Journal of Finance, American Finance Association, American Finance Association, vol. 41(2), pages 425-35, June.
    8. Richard L. Peterson, 1981. "An Investigation of Sex Discrimination in Commercial Banks' Direct Consumer Lending," Bell Journal of Economics, The RAND Corporation, The RAND Corporation, vol. 12(2), pages 547-561, Autumn.
    9. Cavalluzzo, Ken S & Cavalluzzo, Linda C, 1998. "Market Structure and Discrimination: The Case of Small Businesses," Journal of Money, Credit and Banking, Blackwell Publishing, Blackwell Publishing, vol. 30(4), pages 771-92, November.
    10. Blackwell, David W & Winters, Drew B, 1997. "Banking Relationships and the Effect of Monitoring on Loan Pricing," Journal of Financial Research, Southern Finance Association;Southwestern Finance Association, vol. 20(2), pages 275-89, Summer.
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