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.
Community credit needs assessments—why now?
The CFPB has discarded the statistically based analyses that were key to investigating and uncovering systematic patterns. While institutions may find the...