Forms of Fair Lending Discrimination: Introduction
In an upcoming series of posts we address types of fair lending discrimination that are commonly...
Issues in Regression Modeling For Fair Lending Underwriting Analysis (Part 2 of 2)
In our previous post, we addressed a few frequently encountered issues when using regression...
Issues in Regression Modeling For Fair Lending Underwriting Analysis (Part 1 of 2)
Evaluating loan application outcomes (approval or denial) in the context of fair lending is...
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...
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...
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...
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...