Anatomy of a Fair Lending Exam: The Uses and Limitations of Statistics*

Anatomy of a Fair Lending Exam: The Uses and Limitations of Statistics* In this paper, we examine how statistical analysis is used to help conduct fair lending compliance examinations. We present a case study of an actual fair lending examination of a large mortgage lender, illustrating how statistical techniques are used to focus examiner efforts. Our case also highlights the limitations inherent in statistical analysis of discrimination. The study suggests that statistical analysis and the more-traditional comparative file reviews complement one another in the overall examination process, offsetting some of the limitations inherent in each. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png The Journal of Real Estate Finance and Economics Springer Journals

Anatomy of a Fair Lending Exam: The Uses and Limitations of Statistics*

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Publisher
Kluwer Academic Publishers
Copyright
Copyright © 2002 by Kluwer Academic Publishers
Subject
Economics; Regional/Spatial Science; Financial Services
ISSN
0895-5638
eISSN
1573-045X
D.O.I.
10.1023/A:1015264813969
Publisher site
See Article on Publisher Site

Abstract

In this paper, we examine how statistical analysis is used to help conduct fair lending compliance examinations. We present a case study of an actual fair lending examination of a large mortgage lender, illustrating how statistical techniques are used to focus examiner efforts. Our case also highlights the limitations inherent in statistical analysis of discrimination. The study suggests that statistical analysis and the more-traditional comparative file reviews complement one another in the overall examination process, offsetting some of the limitations inherent in each.

Journal

The Journal of Real Estate Finance and EconomicsSpringer Journals

Published: Oct 18, 2004

References

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