The article argues the disparate impact doctrine, which defines discrimination without intent, should be applied to mortgage lending practices and not eliminated, which was proposed by the American Bankers Association, from U.S. government regulatory agencies' fair-lending bank examinations.Rand...
Fair Lending Disparate Impact Litigation and EnforcementJoseph L. BarloonAnand S. Raman
Alan S. Kaplinsky
The DOJ claimed that the firm charged qualified African-American and Hispanic borrowers higher rates compared to non-Hispanic white borrowers in 2005-2009. The opinion of the DOJ's Thomas E. Perez on the development is also cited.EBSCO_bspPratts Bank Law & Regulatory Report...
Disparate Impact Discrimination: Fair Lending at a CrossroadsPublication DetailsConsumer Finance Law Quarterly Report
Barefoot, J.S., 1997, The next fair-lending Risk: Disparate impact, ABA Banking Journal 89.Barefoot, J.S. (1997): The Next Fair-Lending Risk: Disparate Im- pact. ABA Banking Journal 89.Barefoot, JoAnn S. 1997. The Next Fair-Lending Risk: Disparate Impact. ABA Banking Journal 89(5)...
Supreme Court May Nix Disparate Impact in Fair Lending EnforcementJoseph L. BarloonAnand S. RamanDarren M. Welch
Disparate and Not Equal Credit Scoring Is Changing the Way the 0CC Conducts Fair Lending ExamsRMA's June 1999 Consumer Risk Management Conference included a presentation by a senior financial economist from the OCC who demonstrated how fair lending examinations have changed to reflect banks' use.....
1998. The End of Disparate Impact: Dontrinal Reconstruction, Fair Housing and Lending Law, and the Antidiscrimination Principle. Emory Law Journal, 47, 409-525.Mahoney, Peter E. 1998. "The End of Disparate Impact: Dontrinal Reconstruction, Fair Housing and Lending Law, and the Antidiscrimination...
For example, the mechanism M ( x ) could be a deep learning model for a lending decision, A could be the applicant’s possible gender and race, and θ the joint distribution of credit scores and protected attributes. The protected attributes are included in the attribute vector x , ...