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Implementing Income Verification in Australia

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Author Info

  • Yogi Vidyattama

    ()
    (NATSEM, University of Canberra)

  • Robert Tanton

    ()
    (NATSEM, University of Canberra)

  • Alan Duncan

    ()
    (Bankwest Curtin Economics Centre and Bankwest Research Chair in Economic Policy, Curtin Business School)

  • Ross Gayler

    ()
    (Scoring Solutions, Veda Advantage)

Abstract

The recent credit crunch and global recession has forced Governments to consider implementing compulsory income verification for loan applicants. This paper analyses the different methods used in UK and US for income verification and highlights the issues in implementing each method. Finally, each of the methods is assessed in looking at applying a method in Australia. The paper concludes that a modelling approach to income verification will work for the most people

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File URL: http://www.natsem.canberra.edu.au/files/download?id=1123
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Bibliographic Info

Paper provided by University of Canberra, National Centre for Social and Economic Modelling in its series NATSEM Working Paper Series with number 13/20.

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Length: 21 pages
Date of creation: Jan 2013
Date of revision:
Publication status: Published as a NATSEM Working Paper series
Handle: RePEc:cba:wpaper:wp1120

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Postal: University of Canberra, ACT 2601
Phone: +61 2 (02) 6201 2750
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Web page: http://www.natsem.canberra.edu.au/
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Related research

Keywords: Financial Institution; Government Regulation; Income Verification;

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  1. Frank Cowell & Maria-Pia Victoria-Feser, 2007. "Robust stochastic dominance: A semi-parametric approach," Journal of Economic Inequality, Springer, vol. 5(1), pages 21-37, April.
  2. Lee A. Lillard & Robert J. Willis, 1976. "Dynamic Aspects of Earnings Mobility," NBER Working Papers 0150, National Bureau of Economic Research, Inc.
  3. Richard Blundell & Alan Duncan, 1998. "Kernel Regression in Empirical Microeconomics," Journal of Human Resources, University of Wisconsin Press, vol. 33(1), pages 62-87.
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