Intro -- FAIR LENDING COMPLIANCE -- CONTENTS -- FOREWORD -- PREFACE -- PURPOSE OF THIS BOOK -- ORGANIZATION OF TOPICS -- WHO CAN BENEFIT FROM THIS BOOK -- ACKNOWLEDGMENTS -- CHAPTER 1: CREIDT ACCESS AND CREDIT RISK -- ENTERPRISE RISK MANAGEMENT -- LAWS AND REGULATIONS -- CHANGING MARKETS -- PREPARE FOR THE CHALLENGES -- RETURN ON COMPLIANCE -- Appendix 1A -- Appendix 1B -- CHAPTER 2: METHODOLOGY AND ELEMENTS OF RISK AND COMPLIANCE INTELLIGENCE -- ROLE OF DATA IN FAIR LENDING COMPLIANCE INTELLIGENCE -- SAMPLING -- TYPES OF STATISTICAL ANALYSIS -- COMPLIANCE SELF-TESTING STRATEGY MATRIX -- CREDIT RISK MANAGEMENT SELF-TESTING STRATEGY MATRIX -- MATCHING APPROPRIATE STATISTICAL METHODS TO REGULATORY EXAMINATION FACTORS -- CASE FOR A SYSTEMATIC APPROACH -- SUMMARY -- Appendix 2A -- CHAPTER 3: ANALYTIC PROCESS INITIATION -- UNIVERSAL PERFORMANCE INDICATOR -- OVERALL FRAMEWORK -- DEFINE DISPARITY -- DERIVE INDICES -- GENERATE UNIVERSAL PERFORMANCE INDICATOR -- PERFORMANCE MONITORING -- SUMMARY -- Appendix 3A -- CHAPTER 4: LOAN PRICING ANALYSIS -- UNDERSTANDING LOAN PRICING MODELS -- SYSTEMATIC PRICING ANALYSIS PROCESS -- OVERAGE/UNDERAGE ANALYSIS -- OVERAGE/UNDERAGE MONITORING OVERVIEW -- SUMMARY -- Appendix 4A -- Appendix 4B -- Appendix 4C -- Appendix 4D -- Appendix 4E -- CHAPTER 5: REGRESSION ANALYSIS FOR COMPIANCE TESTING -- TRADITIONAL MAIN-EFFECTS REGRESSION MODEL APPROACH -- DYNAMIC CONDITIONAL PROCESS -- DCP MODELING FRAMEWORK -- DCP APPLICATION: A SIMULATION -- SUMMARY -- Appendix 5A -- CHAPTER 6: ALTERNATIVE CREDIT RISK MODELS -- CREDIT UNDERWRITING AND PRICING -- OVERVIEW OF CREDIT RISK MODELS -- HYBRID SYSTEM CONSTRUCTION -- HYBRID SYSTEM MAINTENANCE -- HYBRID UNDERWRITING MODELS WITH TRADITIONAL CREDIT INFORMATION -- HYBRID UNDERWRITING MODELS WITH NONTRADITIONAL CREDIT INFORMATION -- HYBRID MODELS AND OVERRIDE ANALYSIS -- SUMMARY.

Appendix 6A -- Appendix 6B -- Appendix 6C -- Appendix 6D -- CHAPTER 7: MULTILAYERED SEGMENTATION -- SEGMENTATION SCHEMES SUPPORTING INTEGRATED VIEWS -- PROPOSED SEGMENTATION APPROACH -- APPLICATIONS -- SUMMARY -- Appendix 7A -- Appendix 7B -- CHAPTER 8: MODEL VALIDATION -- MODEL VALIDATION FOR RISK AND COMPLIANCE INTELLIGENCE -- TYPICAL MODEL VALIDATION PROCESS, METHODS, METRICS, AND COMPONENTS -- AN INTEGRATED MODEL VALIDATION APPROACH -- SUMMARY -- CLOSING OBSERVATIONS -- INDEX.

Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management "Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written." --The Honorable Rodney E. Hood "Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk." --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. "This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans." --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution "[Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing

regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets." --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill.

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Electronic reproduction. Ann Arbor, Michigan : ProQuest Ebook Central, 2018. Available via World Wide Web. Access may be limited to ProQuest Ebook Central affiliated libraries.