Compilation of Research on Fair Lending Analytical Issues

by Jason Dietrich

Last Updated: March 25, 2026

About the Author

Fair Lending Economist for 3 Government Agencies over 27 years, providing analytical support to fair lending exams.

Purpose

The purpose of these reports is to stimulate discussion about analytical details of fair lending statistical analyses, to improve methods. The reports are intended to be non-excludable and non-rivalrous. Please use only for good, never for evil.

Feedback

Any and all feedback (espcially constructive feedback) is welcome at FL_Analytics@gmail.com.

Book Chapters

📄 Prologue

📄 Chapter 1: Data Integrity

📄 Chapter 2: Racial/Ethnic Classification Strategies

📄 Chapter 3: Gender Classification Strategies

📄 Chapter 4: Disparity Measures

📄 Chapter 5: Pricing Analysis

📄 Chapter 6: Alternative Pricing Analysis

📄 Chapter 7: Omitted Variable Bias

📄 Chapter 8: Proxies and Marginal Effects

📄 Chapter 9: File Reviews

📄 Chapter 10: Algorithmic Bias and Credit Scoring Models

📄 Chapter 11: Disparate Impact

© 2026 by Jason Dietrich. All rights reserved.

The views and opinions expressed in these papers belong solely to me and do not represent the views of any employer, institution, or organization with which I have been affiliated.

These papers are for informational and educational purposes only and are not intended to serve as professional or legal advice. I disclaim all responsibility for any liability, loss, or risk, personal or otherwise, which is a direct or indirect consequence of the use or application of the contents of these papers. Every effort has been made to ensure that the information in these papers is correct. However, I assume no responsibility for errors, inaccuracies, or omissions. The use of these papers implies the reader's acceptance of this disclaimer.