Disparities in Small Business Credit Markets


This paper reviews the literature on statistical disparities in the market for small business credit. The paper begins with a brief legal discussion of the case law on the use of credit discrimination in the factual predicate for a minority business procurement program. The next section provides an overview of the statistical analysis of disparities in loan denials and interest rates by race and gender in the National Survey of Small Business Finance (NSSBF) data. The final section outlines policies to remedy discrimination in credit markets.


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