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Credit Card Redlining*

* This paper has been replicated

Author

Listed:
  • Ethan Cohen-Cole

    (University of Maryland–College Park)

Abstract

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.

Suggested Citation

  • Ethan Cohen-Cole, 2011. "Credit Card Redlining," The Review of Economics and Statistics, MIT Press, vol. 93(2), pages 700-713, May.
    • Handle: RePEc:tpr:restat:v:93:y:2011:i:2:p:700-713
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    Replication

    This item has been replicated by:
  • Kenneth P. Brevoort, 2011. "Credit Card Redlining Revisited," The Review of Economics and Statistics, MIT Press, vol. 93(2), pages 714-724, May.

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    1. Credit Card Redlining (REStat 2011) in ReplicationWiki

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