Understanding the 3 Types of Fair Lending Discrimination
Fair lending laws and regulations are broad and cover every phase of the lending transaction. This...
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Modeling Rate Sheet Variables for Fair Lending Regression Analysis
Most financial institutions have rate sheets that provide pricing guidance for various loan...
Five Basic Tips for Managing Fair Lending Compliance
Fair lending compliance remains treacherous waters for financial institutions. The advent of...
The Consequences of Using Proxies For Fair Lending Regression Analysis
In a whitepaper entitled “BISG Methodology and Its Impact on Regression Analysis,” we study the use...
Detecting Discrimination in Fair Lending Analysis Using Proxies
The use of proxy methods in fair lending analysis – and in particular fair lending enforcement...
BISG Matching and Its Impact on Regression Analysis for Fair Lending
In determining whether discrimination occurs based on race or ethnicity, particularly with regard...
Essential Elements of Profitable Loan Pricing
In a previous article, we discussed the fair lending benefits of having a profitable and...
Proper Loan Pricing Structure is Profitable & Fair Lending Friendly
The first rule of policy analysis is that policies have both intended and unintended consequences....
Z Statistics Versus T Statistics in Fair Lending Analysis
Regression analysis for fair lending with respect to underwriting analyses generally use what are...