Model Specification Issues in Fair Lending Regression Analysis
A fundamental assumption in fair lending regression analysis is that the model is correctly...
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...
How Will Rising Interest Rates Affect Bank Profits?
The Fed has increased interest rates 3 times now since December of 2015 resulting in an increase...
Recent Fed Economic Report Indicates Increases in Consumer Delinquencies U.S Bank Stocks Continue to Underperform
A recent economic report from the New York Federal Reserve indicates that loan payment...
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...