Recent FDIC Supervisory Report Indicates Strong Commercial Bank Loan Growth and Increasing Concentrations
The FDIC recent released its Winter 2016 edition of Supervisory Insights. This edition was focused...
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What Does “Statistical Significance” Mean Anyway? Part 2 of 2
In our previous post, we started introducing the concept of statistical significance. We began with...
FDIC-Insured Institutions Earn $43.7 Billion in Fourth Quarter 2016, Community Bank Net Income Rises to $5.3 Billion
FDIC Chairman Gruenberg:“Revenue and net income were higher, loan balances grew, asset quality...
What Does “Statistical Significance” Mean Anyway? Part 1 of 2
When statistical methods are applied to evaluate fair lending compliance, one of the metrics of...
Underwriting Analysis for Fair Lending Using Logistic Regression: Odds Ratio vs. Marginal Effects
When conducting fair lending regression analysis of underwriting, we are examining a sample of loan...
Manage Customer Service Perceptions to Lower Fair Lending Risk
In a previous post, we addressed the importance of customer service as a component of managing fair...
Handling Missing Data in Fair Lending Regression Analysis
Missing data is a common problem in econometric analysis in general and fair lending analysis...
Use of Credit Cards is On the Upswing
The Center for Microeconomic Data’s latest Quarterly Report on Household Debt and Credit shows that...
Improve Customer Service to Lower Fair Lending Risk
A formal complaint filed against a financial institution with a regulatory agency often results in...
Understanding the 3 Types of Fair Lending Discrimination
Fair lending laws and regulations are broad and cover every phase of the lending transaction. This...