Discrimination in Consumer Lending
利用《平等信贷机会法》通过前德克萨斯州金融公司的数据，检验消费贷款市场是否存在歧视。研究发现贷款人未对ECOA保护因素进行歧视，但可能歧视单身借款人和寡妇，支持市场整体无系统性歧视的观点。
This paper tests for the existence of discrimination in consumer lending by finance companies in Texas before the passage of the Equal Credit Opportunity Act. The data used permit conclusions about discrimination in the market, not just in the behavior of a small number of creditors. The tests suggest that lenders did not discriminate against factors now protected by ECOA. These companies may have discriminated against single borrowers of both sexes and against widows but not married women or divorced borrowers. The results support the view that consumer credit markets as a whole were not characterized by widespread systematic discrimination. Copyright 1990 by MIT Press.