In this paper Charles River Associates presents statistics from the 2010 data and provides an examination of several important trends evident in the HMDA data during the period 2006-2010. The authors also examine the trends in lending by race and ethnicity nationally and within selected geographies.
Fair lending: Considerations when searching for less discriminatory alternatives
The Consumer Financial Protection Bureau increasingly expects institutions to explore less discriminatory alternatives (LDAs) as part of their disparate impact...