Related papers: Racial Disparities in Debt Collection
This paper studies politically feasible policy solutions to inequities in local public goods provision. I focus in particular on the entwined issues of high property taxes, geographic income disparities, and inequalities in public education…
This paper focuses on the expected difference in borrower's repayment when there is a change in the lender's credit decisions. Classical estimators overlook the confounding effects and hence the estimation error can be magnificent. As such,…
Underrepresented minority (URM) students are subjected to historically rooted inequities when pursuing an education, especially in STEM disciplines with little diversity. In order to make STEM education equitable and inclusive, evidence for…
Background Odors are a documented environmental justice challenge in Denver, Colorado. Complaints are an important modality through which residents express their concerns. Objective We investigated disparities in environmental justice…
The credit scoring risk management is a fast growing field due to consumer's credit requests. Credit requests, of new and existing customers, are often evaluated by classical discrimination rules based on customers information. However,…
We propose a method for reporting how program evaluations reduce gaps between groups, such as the gender or Black-white gap. We first show that the reduction in disparities between groups can be written as the difference in conditional…
Social scientists increasingly use the concept of opportunity hoarding to explain the formation of Black-White educational inequalities. However, this concept is often loosely defined, leading to varied interpretations of the…
Machine learning best practice statements have proliferated, but there is a lack of consensus on what the standards should be. For fairness standards in particular, there is little guidance on how fairness might be achieved in practice.…
In 2016, the majority of full-time employed women in the U.S. earned significantly less than comparable men. The extent to which women were affected by gender inequality in earnings, however, depended greatly on socio-economic…
Scoring models support decision-making in financial institutions. Their estimation and evaluation are based on the data of previously accepted applicants with known repayment behavior. This creates sampling bias: the available labeled data…
Inferring racial discrimination in police use of force -- the average causal effect of civilian race on use of force -- requires two assumptions about policing prior to potential use of force: that officers do not discriminate in whom they…
Racial disparities in healthcare expenditures are well-documented, yet the underlying drivers remain complex. This study develops a framework to decompose such disparities through shifts in the distributions of mediating variables, rather…
Elites disproportionately influence policymaking, yet little is known about their fairness and efficiency preferences -- key determinants of support for redistributive policies. We investigate these preferences in an incentivized lab…
We discuss some causal estimands used to study racial discrimination in policing. A central challenge is that not all police-civilian encounters are recorded in administrative datasets and available to researchers. One possible solution is…
The writers propose a mathematical Method for deriving risk weights which describe how a borrower's income, relative to their debt service obligations (serviceability) affects the probability of default of the loan. The Method considers the…
Stormwater has immense impacts on urban flooding and water quality, leaving the marginalized and the impoverished disproportionately impacted by and vulnerable to stormwater hazards. However, the environmental health concerns of socially…
The American Physical Society calls on its members to improve the diversity of physics by supporting an inclusive culture that encourages women and Black, Indigenous, and people of color to become physicists. In the current educational…
As governments race to implement new climate adaptation policies that prepare for more frequent flooding, they must seek policies that are effective for all communities and uphold climate justice. This requires evaluating policies not only…
Students interpret grades as signals of their strengths, and grades inform students' decisions about majors and courses of study. Differences in grades that are not related to learning can impact this judgment and have real-world impact on…
Discrimination in selection problems such as hiring or college admission is often explained by implicit bias from the decision maker against disadvantaged demographic groups. In this paper, we consider a model where the decision maker…