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Citations for "The Color of Credit: Mortgage Discrimination, Research Methodology, and Fair-Lending Enforcement"

by Stephen L. Ross & John Yinger

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  1. Silverman, Robert Mark, 2008. "Mortgage Lending Disparities in Metropolitan Buffalo: Implications for Community Reinvestment Policy," Journal of Regional Analysis and Policy, Mid-Continent Regional Science Association, vol. 38(1).
  2. Barrett Lee & Lauren Hughes, 2015. "Bucking the Trend: Is Ethnoracial Diversity Declining in American Communities?," Population Research and Policy Review, Springer;Southern Demographic Association (SDA), vol. 34(1), pages 113-139, February.
  3. Ghent, Andra C. & Hernández-Murillo, Rubén & Owyang, Michael T., 2014. "Differences in subprime loan pricing across races and neighborhoods," Regional Science and Urban Economics, Elsevier, vol. 48(C), pages 199-215.
  4. Jason Dietrich, 2005. "Under-specified Models and Detection of Discrimination: A Case Study of Mortgage Lending," The Journal of Real Estate Finance and Economics, Springer, vol. 31(1), pages 83-105, August.
  5. Stuart S. Rosenthal & Stephen L. Ross, 2014. "Change and Persistence in the Economic Status of Neighborhoods and Cities," Working papers 2014-23, University of Connecticut, Department of Economics.
  6. AKM Rezaul Hossain, 2010. "Branch location choice: Do lenders discriminate?," Economía, Instituto de Investigaciones Económicas y Sociales (IIES). Facultad de Ciencias Económicas y Sociales. Universidad de Los Andes. Mérida, Venezuela, vol. 35(30), pages 11-55, July-Dece.
  7. Gautier, Pieter A & Zenou, Yves, 2008. "Car Ownership and the Labour Market of Ethnic Minorities," CEPR Discussion Papers 7061, C.E.P.R. Discussion Papers.
  8. Labie, Marc & Méon, Pierre-Guillaume & Mersland, Roy & Szafarz, Ariane, 2015. "Discrimination by microcredit officers: Theory and evidence on disability in Uganda," The Quarterly Review of Economics and Finance, Elsevier, vol. 58(C), pages 44-55.
  9. John J. Donohue III, 2005. "The Law and Economics of Antidiscrimination Law," NBER Working Papers 11631, National Bureau of Economic Research, Inc.
  10. Cullen Goenner, 2010. "Discrimination and Mortgage Lending in Boston: The Effects of Model Uncertainty," The Journal of Real Estate Finance and Economics, Springer, vol. 40(3), pages 260-285, April.
  11. Judith A. Clarke & Marsha J. Courchane & Nilanjana Roy, 2005. "On the Robustness of Racial Discrimination Findings in Mortgage Lending Studies," Econometrics Working Papers 0516, Department of Economics, University of Victoria.
  12. Ethan Cohen-Cole, 2008. "Credit card redlining," Risk and Policy Analysis Unit Working Paper QAU08-1, Federal Reserve Bank of Boston.
  13. Wendy Edelberg, 2007. "Racial dispersion in consumer credit interest rates," Finance and Economics Discussion Series 2007-28, Board of Governors of the Federal Reserve System (U.S.).
  14. Jonathan Spader, 2010. "Beyond Disparate Impact: Risk-based Pricing and Disparity in Consumer Credit History Scores," The Review of Black Political Economy, Springer;National Economic Association, vol. 37(2), pages 61-78, June.
  15. Lloyd Blanchard & Bo Zhao & John Yinger, 2005. "Do Credit Market Barriers Exist for Minority and Women Entrepreneurs?," Center for Policy Research Working Papers 74, Center for Policy Research, Maxwell School, Syracuse University.
  16. Fidel Ezeala-Harrison & Glenda Glover & Jane Shaw-Jackson, 2008. "Housing Loan Patterns Toward Minority Borrowers in Mississippi: Analysis of Some Micro Data Evidence of Redlining," The Review of Black Political Economy, Springer;National Economic Association, vol. 35(1), pages 43-54, March.
  17. Shamena Anwar & Hanming Fang, 2011. "Testing for the Role of Prejudice in Emergency Departments Using Bounceback Rates," NBER Working Papers 16888, National Bureau of Economic Research, Inc.
  18. Ping Cheng & Zhenguo Lin & Yingchun Liu, 2015. "Racial Discrepancy in Mortgage Interest Rates," The Journal of Real Estate Finance and Economics, Springer, vol. 51(1), pages 101-120, July.
  19. John M. Quigley, 2006. "Federal credit and insurance programs: housing," Review, Federal Reserve Bank of St. Louis, issue Jul, pages 281-310.
  20. Robert B. Avery & Kenneth P. Brevoort & Glenn B. Canner, 2010. "Does credit scoring produce a disparate impact?," Finance and Economics Discussion Series 2010-58, Board of Governors of the Federal Reserve System (U.S.).
  21. Albareto, G. & Mistrulli, P.E., 2010. "Bridging the gap between migrants and the banking system," MPRA Paper 26476, University Library of Munich, Germany.
  22. Patrick Bayer & Fernando Ferreira & Stephen L. Ross, 2016. "What Drives Racial and Ethnic Differences in High Cost Mortgages? The Role of High Risk Lenders," Working Papers 2016-005, Human Capital and Economic Opportunity Working Group.
  23. Sheila Ards & Inhyuck Ha & Jose-Luis Mazas & Samuel Myers, 2015. "Bad Credit and Intergroup Differences in Loan Denial Rates," The Review of Black Political Economy, Springer;National Economic Association, vol. 42(1), pages 19-34, June.
  24. Scott Bowman, 2011. "Multigenerational Interactions in Black Middle Class Wealth and Asset Decision Making," Journal of Family and Economic Issues, Springer, vol. 32(1), pages 15-26, March.
  25. Ruben Hernandez & Michael Owyang & Andra Ghent, 2011. "Race and Subprime Loan Pricing," ERSA conference papers ersa11p923, European Regional Science Association.
  26. Stephen L. Ross & John Yinger, 2002. "Looking the Other Way: A Critique of the Fair-Lending Enforcement System and a Plan to Fix It," Center for Policy Research Policy Briefs 24, Center for Policy Research, Maxwell School, Syracuse University.
  27. Andrew, Mark & Haurin, Donald & Munasib, Abdul, 2006. "Explaining the route to owner-occupation: A transatlantic comparison," Journal of Housing Economics, Elsevier, vol. 15(3), pages 189-216, September.
  28. Marsha J. Courchane, 2007. "The Pricing of Home Mortgage Loans to Minority Borrowers: How Much of the APR Differential Can We Explain?," Journal of Real Estate Research, American Real Estate Society, vol. 29(4), pages 399-440.
  29. Shamena Anwar & Hanming Fang, 2005. "An Alternative Test of Racial Prejudice in Motor Vehicle Searches: Theory and Evidence," NBER Working Papers 11264, National Bureau of Economic Research, Inc.
  30. Ross, Stephen L. & Turner, Margery Austin & Godfrey, Erin & Smith, Robin R., 2008. "Mortgage lending in Chicago and Los Angeles: A paired testing study of the pre-application process," Journal of Urban Economics, Elsevier, vol. 63(3), pages 902-919, May.
  31. AKM Rezaul Hossain, 2004. "The Past, Present and Future of Community Reinvestment Act (CRA): A Historical Perspective," Working papers 2004-30, University of Connecticut, Department of Economics.
  32. Chan, Sewin & Haughwout, Andrew F. & Tracy, Joseph, 2015. "How mortgage finance affects the urban landscape," Staff Reports 713, Federal Reserve Bank of New York.
  33. Richard K. Green & Gary Painter & Michelle J. White, 2012. "Measuring the Benefits of Homeowning: Effects on Children Redux," Working Paper 9102, USC Lusk Center for Real Estate.
  34. Isabelle Agier & Ariane Szafarz, 2013. "Subjectivity in Credit Allocation to Micro-Entrepreneurs: Evidence from Brazil," ULB Institutional Repository 2013/148889, ULB -- Universite Libre de Bruxelles.
  35. Rubén Hernández-Murillo & Andra C. Ghent & Michael T. Owyang, 2012. "Did affordable housing legislation contribute to the subprime securities boom?," Working Papers 2012-005, Federal Reserve Bank of St. Louis.
  36. François Bonnet & Etienne Lalé & Mirna Safi & Etienne Wasmer, 2015. "Better residential than ethnic discrimination! : Reconciling audit's findings and interviews' findings in the Parisian housing market," Sciences Po publications 36, Sciences Po.
  37. Hanson, Andrew & Hawley, Zackary & Martin, Hal & Liu, Bo, 2016. "Discrimination in mortgage lending: Evidence from a correspondence experiment," Journal of Urban Economics, Elsevier, vol. 92(C), pages 48-65.
  38. Bryan S. Graham, 2016. "Identifying and Estimating Neighborhood Effects," NBER Working Papers 22575, National Bureau of Economic Research, Inc.
  39. Igan, Deniz & Pinheiro, Marcelo & Smith, John, 2012. "Racial biases and market outcomes: "White men can't jump," but would you bet on it?," MPRA Paper 36069, University Library of Munich, Germany.
  40. Margery Austin Turner & Erin Godfrey & Stephen L. Ross & Robin R. Smith, 2003. "Other Things Being Equal: A Paired Testing Study of Discrimination in Mortgage Lending," Working papers 2003-09, University of Connecticut, Department of Economics, revised May 2004.
  41. 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.
  42. Thorsten Beck & Patrick Behr & Andreas Madestam, 2011. "Sex and Credit: Is There a Gender Bias in Lending?," Working Papers 411, IGIER (Innocenzo Gasparini Institute for Economic Research), Bocconi University.
  43. Dharmapala Dhammika & Ross Stephen L, 2004. "Racial Bias in Motor Vehicle Searches: Additional Theory and Evidence," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 3(1), pages 1-23, September.
  44. François Bonnet & Etienne Lalé & Mirna Safi & Etienne Wasmer, 2015. "Better residential than ethnic discrimination!," Working Papers hal-01112450, HAL.
  45. Patrick Bayer & Fernando Ferreira & Stephen L. Ross, 2014. "Race, Ethnicity and High-Cost Mortgage Lending," NBER Working Papers 20762, National Bureau of Economic Research, Inc.
  46. Lauren Krivo & Robert Kaufman, 2004. "Housing and wealth inequality: Racial-ethnic differences in home equity in the United States," Demography, Springer;Population Association of America (PAA), vol. 41(3), pages 585-605, August.
  47. Song Han & Benjamin J. Keys & Geng Li, 2011. "Credit supply to personal bankruptcy filers: evidence from credit card mailings," Finance and Economics Discussion Series 2011-29, Board of Governors of the Federal Reserve System (U.S.).
  48. Stephen L. Ross, 2003. "What Is Known about Testing for Discrimination: Lessons Learned by Comparing across Different Markets," Working papers 2003-21, University of Connecticut, Department of Economics, revised Nov 2003.
  49. Matthew Hall, 2013. "Residential Integration on the New Frontier: Immigrant Segregation in Established and New Destinations," Demography, Springer;Population Association of America (PAA), vol. 50(5), pages 1873-1896, October.
  50. Robert Gary-Bobo & Sophie Larribeau, 2003. "The bank's market power and the interest-rate elasticity of demand for housing : an econometric study of discrimination on French mortgage data," Université Paris1 Panthéon-Sorbonne (Post-Print and Working Papers) halshs-00069667, HAL.
  51. Ping Cheng & Zhenguo Lin & Yingchun Liu, 2011. "Do Women Pay More for Mortgages?," The Journal of Real Estate Finance and Economics, Springer, vol. 43(4), pages 423-440, November.
  52. Skanderson, David & Ritter, Dubravka, 2014. "Fair lending analysis of credit cards," Payment Cards Center Discussion Paper 14-2, Federal Reserve Bank of Philadelphia.
  53. Song Han, 2011. "Creditor Learning and Discrimination in Lending," Journal of Financial Services Research, Springer;Western Finance Association, vol. 40(1), pages 1-27, October.
  54. Devin G. Pope & Justin R. Sydnor, 2011. "What’s in a Picture?: Evidence of Discrimination from Prosper.com," Journal of Human Resources, University of Wisconsin Press, vol. 46(1), pages 53-92.
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