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#100965 - 07/25/03 05:23 PM Credit discrimination testing
Richard Insley Offline
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Richard Insley
Joined: Oct 2000
Posts: 10,180
Toano, VA
Do any BOLers review deposit-secured loans for gender-based pricing discrimination? It's the only portfolio where risk levels are identical and you can analyse pricing by gender.
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Lending Compliance
#100966 - 07/25/03 06:45 PM Re: Credit discrimination testing
Andy_Z Offline
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Andy_Z
Joined: Oct 2000
Posts: 27,752
On the Net
When I do file sample selections I'll review all loan categories.
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AndyZ CRCM
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#100967 - 07/25/03 06:49 PM Re: Credit discrimination testing
Richard Insley Offline
10K Club
Richard Insley
Joined: Oct 2000
Posts: 10,180
Toano, VA
Of course you want to review all categories of loans, it's just that this one offers the unique advantage of neutralizing the differences in credit risk. Loans secured by deposits (properly documented, of course) are risk-free transactions and you are free to compare other factors without adjusting for risk.
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