Article
Do Loan Officers Discriminate?
20 Apr ’21
Research in Focus — Edison Yu of the Philadelphia Fed and his two coauthors test for taste-based discrimination across U.S. mortgage lenders over a 25-year span.
Featured Work
Working Paper
Which Lenders Are More Likely to Reach Out to Underserved Consumers: Banks versus Fintechs versus Other Nonbanks?
WP 21-17 – There has been a great deal of interest recently in understanding the potential role of fintech firms in expanding credit access to the underbanked and credit-constrained consumers.
Report
Summary of the Workshop on Credit Card Lending and Payments
The Federal Reserve Bank of Philadelphia’s Supervisory Research Forum (SURF) and Consumer Finance Institute (CFI) held the virtual Workshop on Credit Card Lending and Payments on September 16‒17, 2020.
Working Paper
Does CFPB Oversight Crimp Credit?
WP 21-08 - We study how regulatory oversight by the Consumer Financial Protection Bureau (CFPB) affects mortgage credit supply and other aspects of bank behavior.