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Credit Card Redlining

  • Ethan Cohen-Cole

    (University of Maryland–College Park)

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    This paper evaluates the presence of racial disparities in the issuance of consumer credit. Using a database of credit histories, I link location-based information on race with individual credit files. After controlling for place-specific factors such as housing vacancy rates and general population demographics, I find qualitatively large differences in the amount of credit offered to similarly qualified applicants living in black versus white areas. High data quality allows distinguishing between issuer-provision (supply) and utilization of credit (demand). Additional estimates using information on payday lending provide support for idea that issuers condition lending on location. © 2011 The President and Fellows of Harvard College and the Massachusetts Institute of Technology.

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    Article provided by MIT Press in its journal Review of Economics and Statistics.

    Volume (Year): 93 (2011)
    Issue (Month): 2 (May)
    Pages: 700-713

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    Handle: RePEc:tpr:restat:v:93:y:2011:i:2:p:700-713
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