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The Premier Insights Blog

Brandon Roberts

Brandon Roberts, Ph.D., is President of Premier Insights, Inc., a research consulting firm he founded in 1995. Roberts received his Ph.D. from the School of Economic, Political and Policy Sciences at the University of Texas at Dallas.

Recent Posts

By Brandon Roberts

In General Updates

Posted August 01, 2017

Premier Insights, Inc. Begins its 23rd Year


Today, August 1, 2017, marks the beginning of the 23rd year of Premier Insights. As I look back over the last two decades I am very grateful – thankful for our success and for the many clients and other tremendous individuals and firms we have had the opportunity to work and partner with over the years. It has truly been a blessing and one that I am thankful for each and every day.

By Brandon Roberts

In Fair Lending

Posted July 06, 2017

Model Specification Issues in Fair Lending Regression Analysis

A fundamental assumption in fair lending regression analysis is that the model is correctly specified and contains all the relevant variables.

By Brandon Roberts

In Fair Lending

Posted June 29, 2017

Model Specification Issues in Fair Lending Regression Analysis Omitted Variables

Regression analysis is a powerful tool for assessing fair lending risk and performance. As is the case with any tool, however, it must be understood and used correctly. This includes understanding the limitations which in turn defines what conclusions can be drawn from an analysis.

By Brandon Roberts

In Fair Lending

Posted June 27, 2017

Handling Special Case Loan Applications in Fair Lending Regression Analysis

When preparing to conduct a fair lending regression analysis, the first step is to determine the loan sample to be analyzed. This is usually accomplished by first selecting a particular loan product on which to focus and a time period.

By Brandon Roberts

In Fair Lending, Industry Updates

Posted May 25, 2017

HMDA 2018: How Statistics Can Be Our Friend

For decades, banks and those of us who have been involved with regulatory compliance have objected to subjectivity that makes managing compliance matters difficult.

By Brandon Roberts

In Fair Lending, Industry Updates

Posted May 18, 2017

HMDA Reporting 2018: You May Not Be Ready (Part 2 of 2)

In Part 1 of this post I raised the issue of the new HMDA to be reported March 1, 2018, and how this has the potential to alter the fair lending landscape by increasing the level of risk.

Below I detail some of the reasons why I believe this is the case. In a future article, we will discuss steps that can be taken to be prepared and lower exposure to the increased risk . 

By Brandon Roberts

In Fair Lending, Industry Updates

Posted May 16, 2017

HMDA Reporting 2018: You May Not Be Ready (Part 1 of 2)

The update to HMDA reporting is just around the corner, and while most institutions are probably prepared for the data reporting changes, this does not mean those institutions are actually ready. In this series of articles on HMDA 2018, we'll discuss the fair lending risk implications of the new data that will be made available to regulators and the public.

By Brandon Roberts

In Fair Lending

Posted February 21, 2017

To Be Successful in Fair Lending, Lenders Must Discriminate

Several years ago, I began a conference presentation by making the statement: “To be successful at fair lending, you must learn how to properly discriminate.”

The statement was obviously meant to be provocative, and it must have worked because it was quite some time before I was invited back (just kidding). The statement, however, is accurate; and the point that is being made is absolutely critical to fair lending compliance. However, explanation is necessary.

By Brandon Roberts Posted January 04, 2017

Statistics of Z Tests Versus T Tests in Fair Lending Analysis

Understanding the difference between Z statistics and T statistics for fair lending analysis can be frustrating, even more so when it comes to determining which test to use. Let's take a more detailed look into this world of statistics.

By Brandon Roberts

In Loan Policy

Posted November 17, 2016

An Overview of Loan Policy Exceptions and Overrides

Understanding and managing loan policy exceptions is critical to a financial institution’s fair lending compliance.   In this article we explain policy exceptions and describe the different types of exceptions.  How an institution defines policy exceptions is also critical and will be the subject of another post.

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