Fair Lending Compliance

Beschreibung

Praise for Fair Lending ComplianceIntelligence and Implications for CreditRisk Management "Brilliant and informative. An in-depth look at innovativeapproaches to credit risk management written by industrypractitioners. This publication will serve as an essentialreference text for those who wish to make credit accessible tounderserved consumers. It is comprehensive and clearlywritten." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all thoseinterested in the critical role of credit in the economy. They ablyexplore the intersection of credit access and credit risk,suggesting a hybrid approach of human judgment and computer modelsas the necessary path to balanced and fair lending. In anenvironment of rapidly changing consumer demographics, as well asregulatory reform initiatives, this book suggests new analyticalmodels by which to provide credit to ensure compliance and tomanage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLPFinancial Services Attorney and former general counsel for CenturaBanks, Inc. "This book tackles head on the market failures that our currentrisk management systems need to address. Not only do Abrahams andZhang adeptly articulate why we can and should improve our systems,they provide the analytic evidence, and the steps towardimplementations. Fair Lending Compliance fills a much-needed gap inthe field. If implemented systematically, this thought leadershipwill lead to improvements in fair lending practices for allAmericans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative TheBrookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitativeand quantitative guidance to two kinds of financial institutions:those that just need a little help in staying on the right side ofcomplex fair housing regulations; and those that aspire to industryleadership in profitably and responsibly serving the unmet creditneeds of diverse businesses and consumers in America's emergingdomestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthurFoundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor ofPublic Policy Emeritus, University of North Carolina at Chapel Hill

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Clark R. Abrahams

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