Reference health
On Social Credit and the Right to Be Unnetworked
1 of 26 checkable references need attention · checked 2026-08-27
At the dated check, the references listed below either did not resolve in Crossref or DataCite, or carried a retraction notice. Each one is shown with the registry record that put it there.
114 without a DOI — not checked. A reference deposited without a DOI is never matched by title or guessed at; it stays outside the checked set, and this line discloses that.
References needing attention
does not resolve to a known work10.1787/9789264257573-6-en
The 25 checked references that resolve
resolves10.1163/ilwo-vi22
V.I.22 Convention on International Trade in Endangered Species of Wild Fauna and Flora (Cites) (3 Mar 73). See Basic Document V.B.10, supra
resolves10.1108/rr-11-2016-0272
PsychologyGuideOnline: Reliable and Trustworthy Information about Psychology
resolves10.1089/cyber.2010.0612
Boundaries to the Articulation of Possible Selves Through Social Networking Sites: The Case of Facebook Profilers' Social Connectedness
resolves10.1016/j.jpubeco.2007.09.001
The old boy (and girl) network: Social network formation on university campuses
resolves10.1086/210268
Is Social Capital Declining in the United States? A Multiple Indicator Assessment
The 114 references without a DOI — listed, not checked
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no DOI — not checkedThe Consumer Financial Protection Bureau: Savior or Menace? 81 GEO
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no DOI — not checkedInvisible' Credit? (Read This Now!)
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no DOI — not checkedSee id.; see also Mehrsa Baradaran, How the Poor Got Cut Out of Banking, 62 EMORY L
no DOI — not checkedLending describes how mainstream credit alternatives attract poor consumers into revolving debt and a wealth of problems. See James H. Carr, A $1,000 Loan can Balloon into a $40,000 Debt--And it's Legal, FORBES
no DOI — not checkedOthers who lobbied against poverty, such as Nobel-laureate Muhammad Yunus, hold the belief that access to credit should be broad and even viewed as a human right
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no DOI — not checkedNew Credit Score Models Hold Promise for Credit Access
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no DOI — not checkedSee Froth at the Bottom of the Pyramid
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no DOI — not checked); see also Martha C. White, Could Being Racist Make It Harder to Get a Loan?
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no DOI — not checkedWe may use the information to inform your application. When you connect an account with us, you are requesting our third-party financial aggregator, Intuit, to create a new 'token' for Earnest. That token gives access to view account information without giving permissions to perform any other action inside that account
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no DOI — not checked); see also Herbert A. Simon, A Behavioral Model of Rational Choice, 69
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no DOI — not checkedProspect Theory: An Analysis of Decision Under Risk
no DOI — not checkedRepresentativeness Revisited: Attribute Substitution in Intuitive Judgment
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no DOI — not checkedMany scholars have criticized this concept
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no DOI — not checkedWith a little help from my Friends: Social network sites and Social Capital
no DOI — not checkedOnline Social Networks Sites and the Concept of Social Capital
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no DOI — not checkedFacebook had 1.49 billion monthly active users. See Number of Monthly Active Facebook Users Worldwide as of 2nd Quarter
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no DOI — not checkedThe Internet and social life
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no DOI — not checkedIncome Mobility: Concepts and Measures
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no DOI — not checked); see also Silvia Dom�nguez & Celeste Watkins, Creating Networks for Survival and Mobility: Social Capital Among African-American and Latin-American Low-Income Mothers
no DOI — not checkedBrown Kids in White Suburbs: Housing Mobility and the Many Faces of Social Capital
no DOI — not checkedSocial Contagion and Innovation: Cohesion Versus Structural Equivalence, 92 AM
no DOI — not checkedThe Network Basis of they could "delete" or otherwise conceal as a means of providing a second chance
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no DOI — not checkedTechnological Due Process, 85 Wash. U. L. Rev. 1249, and Frank Pasquale, Ranking, Reductionism, and Responsibility
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no DOI — not checkedBig Data's Dangerous New Era of Discrimination
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no DOI — not checkedMachine Learning: The Art and Science of Algorithms that Make Sense of Data 3 (2012); see also Committee on the Analysis of Massive Data
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no DOI — not checkedData Matching, Data Mining, and Due Process, 40 GA
no DOI — not checkedsuch loans, if it turns out that they could not afford them after all
no DOI — not checkedThe Government Did Cause the Housing Crisis
no DOI — not checkedThe comparison to the subprime mortgage crisis is a useful one, because even though it resulted in high levels of foreclosures and problems on Wall Street, the boom created unprecedented levels of homeownership, particularly among young, low-income, and minority borrowers, and offered them some economic comfort and stability. Therefore, proper regulation of subprime lending should ideally restrain abusive practices, but at the same time also maintain such benefits. See generally
no DOI — not checkedHow to Talk About Big Data and Lending Discrimination
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no DOI — not checkedarguing that in specific contexts, such as the field of prudential regulation of banks, disclosure will only work if it is supplemented by protective regulation
no DOI — not checkedA Behavioral Model of Rational Choice 69
no DOI — not checkedReforming Investor Protection Regulation: The Impact of Cognitive Biases
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no DOI — not checkedHow to Talk About Big Data and Lending Discrimination
no DOI — not checkedFor example, just recently, the Supreme Court has ruled that a plaintiff may establish a prima facie case under the Fair Housing Act (FHA) on the basis of statistical evidence that a legislative policy triggers a disparate impact, without evidence that the discrimination was intentional
no DOI — not checkedHurricane Relief Program Director, The National Fair Housing Alliance)
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no DOI — not checkedBased upon all the available information, it is our opinion that insurers' use of insurance credit scoring for underwriting, rating, marketing and/or payment plan eligibility very likely has a disparate impact on poor and minority populations in Ohio
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no DOI — not checkedThese claims eventually resulted in a settlement over "deficiencies in Allstate's credit scoring procedure which plaintiffs say resulted in discriminatory action against approximately five million African-American and Hispanic customers
no DOI — not checkedECOA, which regulates lending practices
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no DOI — not checkedat 276. Similarly, this type of evidence about disparate impact also led many states to take active action to regulate how credit scores should be used in insurance underwriting. CREDIT-BASED INSURANCE SCORING: SEPARATING FACTS FROM FALLACIES
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no DOI — not checkedAn Algorithmic Quagmire or How the Lack of Transparency in Complex Financial Models Scuttled the Finance Market, 12 U.C. DAVIS BUS
no DOI — not checkedThese alternative data sources have proven to accurately score more than 90% of applicants who otherwise would be returned as no-hit or thin-file by traditional models
no DOI — not checkedLenddo is finding a lot of interest in its lending application from outside of banking. Telcos are interested because they already have a credit history with their customers, and because their revenues are going down as people use mobiles more for texting and data and less for voice
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no DOI — not checkedAir Canada's policy of or spend on their flight ticket purchasing based on a "pay-per-pound" rate system, as suggested by an airline in Samoa. 302 These new schemes have prompted discussions over whether American airlines should adopt comparable pricing systems. 303 Nevertheless, similar practices, except for the instances mentioned, were thus far not adopted not only in America, but also in most places. Attempts to adopting weight bias as a financial policy have also taken place and failed in other industries
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no DOI — not checkedhighlighting that some airlines require passengers to pay second fare if they cannot fit comfortably in single seat)
no DOI — not checkedNot "Fit" For Hire: The United States And France On Weight Discrimination In Employment, 38 Fordham Int'l L
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no DOI — not checked306 as amended by section 411 of the Fair and Accurate Credit Transactions Act of 2003 (the FACT Act), 307 impedes the capability of creditors to acquire and use consumers' medical information in the context of determining the consumers' credit eligibility, as well as to share medical information with affiliates. 308 Based on the FACT Act, the government regulatory agencies created exceptions to these restrictions that permit the use of medical information, but those can be used only in unique and specific situations. 309 These exceptions are unique and narrow despite the fact that clearly, from a financial efficiency perspective, noting if and when, for example, a consumer is terminally ill, and factoring the information into the individual's credit score, makes perfect financial sense. Similarly, acknowledging the uniqueness of the medical context, FICO amended its approach towards how it is factoring in medical billing information in creditworthiness calculations. Despite the clear difference between medical billing information and medical information, FICO has announced in 2014 that its upcoming scoring model
no DOI — not checkedref134
no DOI — not checkedBasic Rights and Responsibilities of Creditors and Consumers, 59 CONSUMER FIN
no DOI — not checkedSee Lawrence A. Young and Patrick McCarren, Just the FACT(s), Ma'am-A Roadmap to the FACT Act, 59 CONSUMER FIN
no DOI — not checkedSee generally Laura Hobson Brown, Final Rule: Using Medical Information In Determining Creditworthiness, 60 Consumer Fin
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no DOI — not checked(noting that the rationale for this, as stated by CFPB Director Richard Cordray is that "it's hard for consumers to navigate the medical debt maze
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