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Accounting for Racial Inequality: Expected Credit Losses and the Distribution of Mortgage Credit

https://doi.org/10.2139/ssrn.6910112
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The contracting benefits of accounting conservatism to lenders and borrowers
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Do delays in expected loss recognition affect banks' willingness to lend?
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Accounting discretion, loan loss provisioning, and discipline of Banks’ risk-taking
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Financial Accounting in the Banking Industry: A Review of the Empirical Literature
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Difference-in-Differences with multiple time periods
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Difference-in-differences with variation in treatment timing
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Does function follow organizational form? Evidence from the lending practices of large and small banks
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Consumer-lending discrimination in the FinTech Era
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How much should we trust staggered difference-in-differences estimates?
inferredcites →https://doi.org/10.1016/j.regsciurbeco.2014.07.006openalex-snapshot
Differences in subprime loan pricing across races and neighborhoods
inferredcites →https://doi.org/10.1016/s1042-9573(03)00016-0openalex-snapshot
Loan loss provisioning and economic slowdowns: too much, too late?
inferredcites →https://doi.org/10.1023/a:1022187622780openalex-snapshot
Managerial Incentives for Income Smoothing Through Bank Loan Loss Provisions
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Opportunities and Issues in Using HMDA Data
inferredcites →https://doi.org/10.1093/qje/qjac009openalex-snapshot
The Assessment Gap: Racial Inequalities in Property Taxation
inferredcites →https://doi.org/10.1093/qje/qjz042openalex-snapshot
Race and Economic Opportunity in the United States: an Intergenerational Perspective*
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Information: Hard and Soft
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Revisiting Event-Study Designs: Robust and Efficient Estimation
inferredcites →https://doi.org/10.1093/rfs/hhaa087openalex-snapshot
Does Borrower and Broker Race Affect the Cost of Mortgage Credit?
inferredcites →https://doi.org/10.1093/rfs/hhx035openalex-snapshot
What Drives Racial and Ethnic Differences in High-Cost Mortgages? The Role of High-Risk Lenders
inferredcites →https://doi.org/10.1111/0022-1082.00483openalex-snapshot
Information Production and Capital Allocation: Decentralized versus Hierarchical Firms
inferredcites →https://doi.org/10.1111/1468-0297.00682openalex-snapshot
Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure
inferredcites →https://doi.org/10.1111/1475-679x.12109openalex-snapshot
A Real Effects Perspective to Accounting Measurement and Disclosure: Implications and Insights for Future Research
inferredcites →https://doi.org/10.1111/1475-679x.12354openalex-snapshot
Switching From Incurred to Expected Loan Loss Provisioning: Early Evidence
inferredcites →https://doi.org/10.1111/1475-679x.12415openalex-snapshot
Delays in Banks’ Loan Loss Provisioning and Economic Downturns: Evidence from the U.S. Housing Market
inferredcites →https://doi.org/10.1111/1475-679x.12463openalex-snapshot
CECL: Timely Loan Loss Provisioning and Bank Regulation
inferredcites →https://doi.org/10.1111/1540-6261.00505openalex-snapshot
Does Distance Still Matter? The Information Revolution in Small Business Lending
inferredcites →https://doi.org/10.1111/jofi.13090openalex-snapshot
Predictably Unequal? The Effects of Machine Learning on Credit Markets
inferredcites →https://doi.org/10.1111/jofi.13303openalex-snapshot
Lender Automation and Racial Disparities in Credit Access
inferredcites →https://doi.org/10.1111/jofi.13444openalex-snapshot
How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions
inferredcites →https://doi.org/10.1162/003355304772839588openalex-snapshot
How Much Should We Trust Differences-In-Differences Estimates?
inferredcites →https://doi.org/10.1162/003465302317411532openalex-snapshot
The Transition to Home Ownership and the Black-White Wealth Gap
inferredcites →https://doi.org/10.1198/jbes.2010.07136openalex-snapshot
Robust Inference With Multiway Clustering
inferredcites →https://doi.org/10.1257/aer.20181169openalex-snapshot
Two-Way Fixed Effects Estimators with Heterogeneous Treatment Effects
inferredcites →https://doi.org/10.1257/aer.20240327openalex-snapshot
Racial Disparities in Housing Returns
inferredcites →https://doi.org/10.2308/tar-2022-0511openalex-snapshot
How Does Loan Loss Accounting Influence Bank Lending? Evidence from the Current Expected Credit Loss (CECL) Model
inferredcites →https://doi.org/10.3368/jhr.50.2.317openalex-snapshot
A Practitioner’s Guide to Cluster-Robust Inference
inferredcites →https://doi.org/10.7551/mitpress/1933.001.0001openalex-snapshot
The Color of Credit
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