Racial disparities in access to small business credit: Evidence from the paycheck protection program

S Howell, T Kuchler, D Snitkof, J Stroebel, J Wong - 2021 - papers.ssrn.com
We explore the sources of racial disparities in small business lending by studying the $806
billion Paycheck Protection Program (PPP), which was designed to support small business …

Lender automation and racial disparities in credit access

ST Howell, T Kuchler, D Snitkof… - The Journal of …, 2024 - Wiley Online Library
Process automation reduces racial disparities in credit access by enabling smaller loans,
broadening banks' geographic reach, and removing human biases from decision making. We …

[PDF][PDF] Automation in small business lending can reduce racial disparities: Evidence from the Paycheck Protection Program

ST Howell, T Kuchler, D Snitkof… - NBER Working …, 2022 - pages.stern.nyu.edu
By enabling smaller loans, broader geographic reach, and less human bias in decision-making,
process automation may reduce racial disparities in access to financial services. We find …

[BOOK][B] Automation and racial disparities in small business lending: Evidence from the Paycheck Protection Program

ST Howell, T Kuchler, D Snitkof, J Stroebel, J Wong - 2021 - pages.stern.nyu.edu
By enabling smaller loans, broader geographic reach, and less human bias in decision-making,
process automation may reduce racial disparities in access to financial services. We find …

Automation in small business lending can reduce racial disparities: Evidence from the paycheck protection program

ST Howell, T Kuchler, D Snitkof, J Stroebel, J Wong - 2021 - europepmc.org
By enabling smaller loans, broader geographic reach, and less human bias in decision-making,
process automation may reduce racial disparities in access to financial services. We find …

Marketplace Lending: From the Inside, Looking Out

D Snitkof - Journal of Structured Finance, 2015 - search.proquest.com
Over the past decade, we have seen the emergence of a new class of investing known as
marketplace lending, a growing phenomenon that uses technology to fund billions of dollars in …

[PDF][PDF] Us consumers' awareness and use of marketplace lending

R Adams, T Dore, C Greene, T Mach… - Current Policy …, 2017 - bostonfed.org
Marketplace lending is a new kind of online lending that is unfamiliar to most US consumers.
A nationally representative survey finds that just 25 percent of US consumers have heard of …

[PDF][PDF] Using technology to tackle discrimination in lending: The role of fintechs in the paycheck protection program

R Atkins, L Cook, R Seamans - AEA Papers and Proceedings, 2022 - ens.psl.eu
Data on individual PPP loans come from the Small Business Administration (SBA). The PPP-loan-level
data provide us with information about the size of the loan, our main dependent …

[PDF][PDF] Algorithms, Humans, and Racial Disparities in Child Protective Services: Evidence from the Allegheny Family Screening Tool

K Rittenhouse, E Putnam-Hornstein, R Vaithianathan - 2022 - krittenh.github.io
We ask whether providing decision-makers with a machine learning tool can reduce racial
disparities. Our context is the implementation of the Allegheny Family Screening Tool (AFST), …

How much does racial bias affect mortgage lending? Evidence from human and algorithmic credit decisions

N Bhutta, A Hizmo, D Ringo - 2022 - papers.ssrn.com
We assess racial discrimination in mortgage approvals using new data on mortgage applications.
Minority applicants tend to have significantly lower credit scores, higher leverage, and …