Neighborhood Racial Characteristics, Credit History, and Bankcard Credit in Indian Country

Valentina Dimitrova-Grajzl, Peter Grajzl, A. Joseph Guse (), Richard M. Todd () and Michael Williams ()
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A. Joseph Guse: Federal Reserve Bank of Minneapolis
Richard M. Todd: Federal Reserve Bank of Minneapolis
Michael Williams: Federal Reserve Bank of Minneapolis

Comparative Economic Studies, 2018, vol. 60, issue 3, No 5, 410-441

Abstract: Abstract We draw on a large-scale dataset of individual-level credit bureau records to study bankcard credit limits in Indian Country. Utilizing approaches that aim to isolate supply from demand considerations, we find that residing in a predominantly American Indian neighborhood is ceteris paribus associated with lower awarded bankcard credit limits than residing in a neighborhood where the share of American Indian residents is low. Consumer’s credit history is a robust and quantitatively more important predictor of awarded credit limits than racial composition of the consumer’s neighborhood. Bankcard credit limits do not depend on the consumer’s location vis-à-vis a reservation.

Keywords: Bankcard credit; American Indian reservations; Discrimination; Neighborhood racial characteristics; Credit history (search for similar items in EconPapers)
JEL-codes: G21 J15 P43 R11 (search for similar items in EconPapers)
Date: 2018
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Citations: View citations in EconPapers (1)

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Working Paper: Neighborhood Racial Characteristics, Credit History, and Bankcard Credit in Indian Country (2015)
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DOI: 10.1057/s41294-018-0064-6

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