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Discrimination in Consumer Lending

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  • Elliehausen, Gregory E
  • Lawrence, Edward C

Abstract

This paper tests for the existence of discrimination in consumer lending by finance companies in Texas before the passage of the Equal Credit Opportunity Act. The data used permit conclusions about discrimination in the market, not just in the behavior of a small number of creditors. The tests suggest that lenders did not discriminate against factors now protected by ECOA. These companies may have discriminated against single borrowers of both sexes and against widows but not married women or divorced borrowers. The results support the view that consumer credit markets as a whole were not characterized by widespread systematic discrimination. Copyright 1990 by MIT Press.

Suggested Citation

  • Elliehausen, Gregory E & Lawrence, Edward C, 1990. "Discrimination in Consumer Lending," The Review of Economics and Statistics, MIT Press, vol. 72(1), pages 156-160, February.
    • Handle: RePEc:tpr:restat:v:72:y:1990:i:1:p:156-60
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    Cited by:

    1. David Smith & Demos Vardiabasis & Samuel Seaman & Yury Adamo, 2021. "An Explanation of a Gender Earnings Gap in the Veterinary Profession," Athens Journal of Business & Economics, Athens Institute for Education and Research (ATINER), vol. 7(2), pages 145-160, April.
    2. Martin Halla & Johann Scharler, 2012. "Marriage, Divorce, and Interstate Risk Sharing," Scandinavian Journal of Economics, Wiley Blackwell, vol. 114(1), pages 55-78, March.
    3. Ashlyn Aiko Nelson, 2010. "Credit scores, race, and residential sorting," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 29(1), pages 39-68.
    4. Donald R. Epley & Kartono Liano, 1999. "The Residential Mortgage Supply Function of Commercial Banks," Urban Studies, Urban Studies Journal Limited, vol. 36(11), pages 1959-1971, October.
    5. Peggy D. Dwyer & James H. Gilkeson & Drew B. Winters, 2003. "How banks can self-monitor their lending to comply with the equal credit opportunity act," Review, Federal Reserve Bank of St. Louis, vol. 85(Sep), pages 7-22.
    6. Tian, Geran & Wu, Weixing, 2023. "Big data pricing in marketplace lending and price discrimination against repeat borrowers: Evidence from China," China Economic Review, Elsevier, vol. 78(C).

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