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Anatomy of a fair-lending exam: the uses and limitations of statistics

Paul S. Calem and Stanley D. Longhofer

No 0003R, Working Papers (Old Series) from Federal Reserve Bank of Cleveland

Abstract: In this paper, we consider the role of statistical analysis in fair-lending compliance examinations. We present a case study of an actual fair-lending examination of a large mortgage lender, demonstrating how statistical techniques can be a valuable tool in focusing examiner efforts to either uncover illegal discrimination or exonerate an institution so accused.

Keywords: Discrimination in mortgage loans; Mortgages (search for similar items in EconPapers)
Date: 2000, Revised 2000-07-30
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