Model Specification Issues in Fair Lending Regression Analysis
A fundamental assumption in fair lending regression analysis is that the model is correctly...
Posts about Fair Lending (9)
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...
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...
Understanding the Limitations of Fair Lending Regression Analysis
As we have discussed in previous posts, fair lending regression analysis has become widely used...
Balancing the Community Reinvestment Act and Other Fair Lending Regulations
A tension exists between a bank meeting its CRA obligations and compliance with other fair lending...
Managing Data for Fair Lending Underwriting Analysis for Community Banks (Part 2 of 2)
In the second installment of this two-part post, we provide some guidance concerning data for...
Managing Data for Fair Lending Underwriting Analysis for Community Banks (Part 1)
In Part 1 of this two-part post, we discuss some issues with conducting fair lending underwriting...
HMDA 2018: How Statistics Can Be Our Friend
For decades, banks and those of us who have been involved with regulatory compliance have objected...
Agencies’ Use of Testers in Assessing Discriminatory Lending Practices
The CFPB recently released its report on fair lending for 2016. The report covered a number of...
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...