Classifying Applicants for Fair Lending Analyses: What Do the Data Have to Say? - Couverture souple

Dietrich, Jason

Couverture souple

ISBN 10 : 1505375614 ISBN 13 : 9781505375619

Editeur : CreateSpace Independent Publishing Platform, 2015

Synopsis

Testing for discrimination in mortgage lending requires classifying consumers into treatment groups and control groups. Although this may seem like a straightforward task, it is actually quite complicated. Home Mortgage Disclosure Act (HMDA) data, the primary source of data for these analyses, contain information on the ethnicity, race, and gender for both primary and coapplicants. In addition, applicants have the option of reporting up to five races. Using these detailed data to construct the standard groups, such as “Black,” “Hispanic,” and “White,” requires subjective decisions on how to appropriately aggregate applications.

Détails de l'édition

• Éditeur: CreateSpace Independent Publishing Platform
• Date d'édition: 2015
• Langue: anglais
• ISBN 10: 1505375614
• ISBN 13: 9781505375619
• Reliure: Broché
• Nombre de pages: 74
• Coordonnées du fabricant: Manufactured by Amazon on behalf of the author; https://www.amazon.fr/hz/contact-us; ; c/o Amazon Media EU S.à.r.l., 38 Avenue John F. Kennedy; Luxembourg; L-1855; Luxembourg