Detecting Discrimination: a Dynamic Perspective
研究了抵押贷款定价中种族歧视的稳定性假设，利用1998-2006年贷款机构数据发现，对黑人申请者的定价差异随时间显著变化。
Summary The statistical analysis of observational data for fair lending purposes relies on the assumption that, at the firm level, racial discrimination (or the lack thereof) is stable across time. Using data from a mortgage lender during the period 1998–2006, we examine this crucial assumption for the case of pricing differentials for black applicants in household mortgage lending, effectively evaluating possible dynamics in aggregate discrimination patterns. We offer evidence that these estimated pricing differentials may vary substantially across time.