Finance and Economics Discussion Series: Racial Dispersion in Consumer Credit Interest Rates Book PDF, ePub eBook

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Book Descriptions:
Most of the literature exploring racial disparities in consumer credit markets focuses on the issue of access to loans. But the disparate terms on which loans are issued are equally revealing. In this paper, I examine disparities in a variety of consumer loan interest rates using a reduced-form framework. I find that interest rates on loans issued before the 1995 show a statistically significant degree of unexplained racial heterogeneity even after controlling for the financial costs of issuing debt. However, racial dispersion in rates falls off for loans originated after 1995.

Finance and Economics Discussion Series: Racial Dispersion in Consumer Credit Interest Rates by Wendy Edelberg

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