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Fair Lending: Race and Gender Data are Limited for Non-Mortgage Lending
The Federal Reserve Board’s (FRB) Regulation B pro

 
Our Price: $25.00
By Orice M. Williams (au)
Year: 2008
Pages: 37
Binding Paperback

Product Code: 1437907911

Description
 
The Federal Reserve Boardís (FRB) Regulation B prohibits lenders from collecting certain data from loan applicants, such as their race or gender, for non-mortgage loans (e.g., small bus. loans). FRB has stated that this provision of Regulation B minimizes the chances that lenders would use such data in an unlawful and discriminatory manner. However, others argue that the prohibition limits the capacity of researchers and regulators to identify discrimination in non-mortgage lending. This report analyzes: studies on possible discrimination in non-mortgage lending and the data used in them; FRBís 2003 decision to retain the prohibition of voluntary data collection; and the benefits and costs of a data collection and reporting requirement.

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