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Analysis of differences between consumer- and creditor-purchased credit scores [[electronic resource]]
| Analysis of differences between consumer- and creditor-purchased credit scores [[electronic resource]] |
| Pubbl/distr/stampa | [Washington, D.C.] : , : Consumer Financial Protection Bureau, , [2012] |
| Descrizione fisica | 1 online resource (40 pages) : color illustrations |
| Soggetto topico |
Credit ratings - United States
Credit bureaus - United States Credit scoring systems - United States |
| Formato | Materiale a stampa  |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Record Nr. | UNINA-9910702205003321 |
| [Washington, D.C.] : , : Consumer Financial Protection Bureau, , [2012] | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Authoritarianism with Chinese characteristics : political and religious human rights challenges in China : hearing before the Subcommittee on Asia, the Pacific and Nonproliferation of the Committee on Foreign Affairs, House of Representatives, One Hundred Sixteenth Congress, first session, December 10, 2019
| Authoritarianism with Chinese characteristics : political and religious human rights challenges in China : hearing before the Subcommittee on Asia, the Pacific and Nonproliferation of the Committee on Foreign Affairs, House of Representatives, One Hundred Sixteenth Congress, first session, December 10, 2019 |
| Pubbl/distr/stampa | Washington : , : U.S. Government Publishing Office, , 2020 |
| Descrizione fisica | 1 online resource (iii, 63 pages) : illustration |
| Soggetto topico |
Authoritarianism - China
Freedom of religion - China Credit scoring systems - United States Disclosure of information - United States Human rights - China Electronic surveillance Video surveillance Authoritarianism Credit scoring systems Disclosure of information Freedom of religion Human rights |
| Soggetto genere / forma | Legislative hearings. |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Altri titoli varianti | Authoritarianism with Chinese characteristics |
| Record Nr. | UNINA-9910712949803321 |
| Washington : , : U.S. Government Publishing Office, , 2020 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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A biased, broken system : examining proposals to overhaul credit reporting to achieve equity : hybrid hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventeenth Congress, first session, June 29, 2021
| A biased, broken system : examining proposals to overhaul credit reporting to achieve equity : hybrid hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventeenth Congress, first session, June 29, 2021 |
| Pubbl/distr/stampa | Washington : , : U.S. Government Publishing Office, , 2021 |
| Descrizione fisica | 1 online resource (iii, 211 pages) : illustrations |
| Soggetto topico |
Credit bureaus - United States
Credit scoring systems - United States Credit - United States Discrimination in consumer credit - United States Loans - United States |
| Soggetto genere / forma | Legislative hearings. |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Altri titoli varianti | Biased, broken system |
| Record Nr. | UNINA-9910716871803321 |
| Washington : , : U.S. Government Publishing Office, , 2021 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Civil rights and the mortgage crisis [[electronic resource] /] / United States Commission on Civil Rights
| Civil rights and the mortgage crisis [[electronic resource] /] / United States Commission on Civil Rights |
| Pubbl/distr/stampa | Washington, D.C. : , : United States Commission on Civil Rights, , [2009] |
| Descrizione fisica | ix, 224 pages : illustrations (some color), digital, PDF file |
| Soggetto topico |
Minorities - Housing - Government policy - United States
Mortgage loans - Government policy - United States Subprime mortgage loans - United States Discrimination in mortgage loans - United States Predatory lending - United States Credit scoring systems - United States Civil rights - United States |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Record Nr. | UNINA-9910702961503321 |
| Washington, D.C. : , : United States Commission on Civil Rights, , [2009] | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Consumer credit reporting : assessing accuracy and compliance : virtual hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventeenth Congress, first session, May 26, 2021
| Consumer credit reporting : assessing accuracy and compliance : virtual hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventeenth Congress, first session, May 26, 2021 |
| Pubbl/distr/stampa | Washington : , : U.S. Government Publishing Office, , 2021 |
| Descrizione fisica | 1 online resource (v, 156 pages) : illustrations, maps |
| Soggetto topico |
Credit - United States
Credit bureaus - United States Credit scoring systems - United States Consumer protection - United States |
| Soggetto genere / forma | Legislative hearings. |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Altri titoli varianti | Consumer credit reporting |
| Record Nr. | UNINA-9910716923303321 |
| Washington : , : U.S. Government Publishing Office, , 2021 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Credit reports : what accuracy and errors mean for consumers : hearing before the Subcommittee on Consumer Protection, Product Safety, and Insurance of the Committee on Commerce, Science, and Transportation, United States Senate, One Hundred Thirteenth Congress, first session, May 7, 2013
| Credit reports : what accuracy and errors mean for consumers : hearing before the Subcommittee on Consumer Protection, Product Safety, and Insurance of the Committee on Commerce, Science, and Transportation, United States Senate, One Hundred Thirteenth Congress, first session, May 7, 2013 |
| Pubbl/distr/stampa | Washington : , : U.S. Government Printing Office, , 2013 |
| Descrizione fisica | 1 online resource (iii, 117 pages) : illustration |
| Collana | S. hrg. |
| Soggetto topico |
Credit scoring systems - United States
Credit ratings - United States Consumer credit - United States Consumer protection - United States |
| Soggetto genere / forma | Legislative materials. |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Altri titoli varianti | Credit reports |
| Record Nr. | UNINA-9910704934203321 |
| Washington : , : U.S. Government Printing Office, , 2013 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / / Phillip B. Rogers, editor
| Credit scores : impact and analysis of differences between consumer- and creditor-purchased scores / / Phillip B. Rogers, editor |
| Pubbl/distr/stampa | New York : , : Nova Science Publishers, Incorporated, , [2013] |
| Descrizione fisica | 1 online resource (82 pages) : illustrations |
| Disciplina | 332.7 |
| Collana | Financial institutions and services |
| Soggetto topico | Credit scoring systems - United States |
| ISBN | 1-62618-311-2 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Record Nr. | UNINA-9910151734703321 |
| New York : , : Nova Science Publishers, Incorporated, , [2013] | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Credit-based insurance scores [[electronic resource] ] : impacts on consumers of automobile insurance / / Martin H. Tarlingtoná, editor
| Credit-based insurance scores [[electronic resource] ] : impacts on consumers of automobile insurance / / Martin H. Tarlingtoná, editor |
| Pubbl/distr/stampa | Hauppauge, N.Y., : Nova Science Publishers, c2009 |
| Descrizione fisica | 1 online resource (165 p.) |
| Disciplina | 368/.0920973 |
| Altri autori (Persone) | TarlingtonáMartin H |
| Soggetto topico |
Consumer credit - United States
Credit scoring systems - United States Discrimination in insurance - United States Automobile insurance - United States |
| Soggetto genere / forma | Electronic books. |
| ISBN | 1-61728-213-8 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Record Nr. | UNINA-9910460044903321 |
| Hauppauge, N.Y., : Nova Science Publishers, c2009 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Credit-based insurance scores [[electronic resource] ] : impacts on consumers of automobile insurance / / Martin H. Tarlingtoná, editor
| Credit-based insurance scores [[electronic resource] ] : impacts on consumers of automobile insurance / / Martin H. Tarlingtoná, editor |
| Edizione | [1st ed.] |
| Pubbl/distr/stampa | Hauppauge, N.Y., : Nova Science Publishers, c2009 |
| Descrizione fisica | 1 online resource (165 p.) |
| Disciplina | 368/.0920973 |
| Altri autori (Persone) | TarlingtonáMartin H |
| Soggetto topico |
Consumer credit - United States
Credit scoring systems - United States Discrimination in insurance - United States Automobile insurance - United States |
| ISBN | 1-61728-213-8 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto |
Intro -- CREDIT-BASED INSURANCE SCORES: IMPACTS ON CONSUMERS OF AUTOMOBILE INSURANCE -- CREDIT-BASED INSURANCE SCORES: IMPACTS ON CONSUMERS OF AUTOMOBILE INSURANCE -- CONTENTS -- PREFACE* -- Chapter 1 I. EXECUTIVE SUMMARY -- Chapter 2 II. INTRODUCTION -- Chapter 3 III. DEVELOPMENT AND USE OF CREDIT-BASED INSURANCE SCORES -- A. BACKGROUND AND HISTORICAL EXPERIENCE -- B. DEVELOPMENT OF CREDIT-BASED INSURANCE SCORES -- C. USE OF CREDIT-BASED INSURANCE SCORES -- D. STATE RESTRICTIONS ON SCORES -- Chapter 4 IV. THE RELATIONSHIP BETWEEN CREDIT HISTORY AND RISK -- A. CORRELATION BETWEEN CREDIT HISTORY AND RISK -- 1. Prior Research -- 2. Commission Research -- a. FTC Database -- b. Other Data Sources -- B. POTENTIAL CAUSAL LINK BETWEEN SCORES AND RISK -- Chapter 5 V. EFFECT OF CREDIT-BASED INSURANCE SCORES ON PRICE AND AVAILABILITY -- A. CREDIT-BASED INSURANCE SCORES AND CROSS-SUBSIDIZATION -- 1. Possible Impact on Car Ownership -- 2. Possible Impact on Uninsured Driving -- 3. Adverse Selection -- B. OTHER POSSIBLE EFFECTS OF CREDIT-BASED INSURANCE SCORES -- C. EFFECTS ON RESIDUAL MARKETS FOR AUTOMOBILE INSURANCE -- Chapter 6 VI. EFFECTS OF SCORES ON PROTECTED CLASSES OF CONSUMERS -- A. Credit-Based Insurance Scores and Racial, Ethnic, and Income Groups -- 1. Difference in Scores Across Groups -- 2. Possible Reasons for Differences in Scores Across Groups -- 3. Impact of Differences in Scores on Premiums Paid -- a. Effect on those for whom Scores Were Available -- b. Effect on Those for Whom Scores Were Not Available -- B. SCORES AS A PROXY FOR RACE AND ETHNICITY -- 1. Do Scores Act Solely as a Proxy for Race, Ethnicity, or Income? -- 2. Differences in Average Risk by Race, Ethnicity, and Income -- 3. Controlling for Race, Ethnicity, and Income to Test for a Proxy Effect -- a. Existence of a Proxy Effect.
b. Magnitude of a Proxy Effect -- Chapter 7 VII. ALTERNATIVE SCORING MODELS -- A. THE FTC BASELINE MODEL -- B. ALTERNATIVE SCORING MODELS -- 1. "Race Neutral" Scoring Models -- 2. Model Discounting Variables with Large Differences by Race and Ethnicity -- Chapter 8 VIII. CONCLUSION -- APPENDIX A. TEXT OF SECTION 215 OF THE FACT ACT -- SEC. 215. STUDY OF EFFECTS OF CREDIT SCORES AND CREDIT- BASED INSURANCE SCORES ON AVAILABILITY AND AFFORDABILITY OF FINANCIAL PRODUCTS -- APPENDIX B. REQUESTS FOR PUBLIC COMMENT -- FEDERAL TRADE COMMISSION -- SUMMARY -- DATES -- ADDRESSES -- FOR FURTHER INFORMATION CONTACT -- SUPPLEMENTARY INFORMATION -- I. Background -- II. Request for Comments -- FEDERAL TRADE COMMISSION -- SUMMARY -- DATES -- ADDRESSES -- FOR FURTHER INFORMATION CONTACT -- SUPPLEMENTARY INFORMATION -- I. Background -- II. Request for Comments -- A. Credit Scores and Credit -- B. Credit-Based Insurance Scores and Property and Casualty Insurance -- APPENDIX C. THE AUTOMOBILE POLICY DATABASE -- C.1. THE EPIC DATABASE -- C.2. THE FTC DATABASE -- C.2. 1. Additional Information Obtained for the Full Sample -- Core Policy Data and ChoicePoint Credit Scores -- Geographic Location Information and Census Data -- Choice Point Credit History Variables -- CLUE Data -- Hispanic Surname Match -- Vehicle Characteristics -- C.2.2. Additional Information Obtained for a Sub-Sample of 400,000 -- FICO Scores -- SSA Data on Race, Ethnicity, National Origin, and Gender -- APPENDIX D. MODELING AND ANALYSIS DETAILS -- D. 1. INTERMEDIATE ANALYSIS AND DATA PREPARATION -- D. 1.1. Using Race and Ethnicity Data -- D. 1.2. Nationally Representative Weighting -- D. 1.3. The Modeling Sample -- D.2. THE RISK MODELS -- D.2. 1. Generalized Linear Models[166] -- D.2.1.1.Modeling "Frequency" -- D.2.1.2. Modeling "Severity". D.2.1.3. Modeling Total Claims Cost ("Pure Premiums") -- D.2.2. Bootstrapping Significance Tests -- D.2.3. Variables Used in the Risk Models -- Credit-Based Insurance Score Decile -- Race/Ethnicity -- Tract-Level Income -- Age / Gender / Marital Status -- Territorial Risk -- CLUE Data -- CLUE Data - Prior Uninsured Motorist / Underinsured Motorist Claims -- CLUE Data - Prior Bodily Injury / Property Damage Claims -- CLUE Data - Prior Collision / Medical Payments / Personal Injury Claims -- CLUE Data - Prior Comprehensive-Only Claims -- CLUE Data - Prior Towing and Labor-Only Claims -- CLUE Data - Prior Rental Reimbursement Claims -- Number of Accidents -- Number of Violations -- Tenure -- Property Damage Liability Limits -- Bodily Injury Liability Limits -- State Minimums -- Collision Deductible -- Comprehensive Deductible -- Annual Mileage -- Principal / Occasional Driver -- Use -- Homeowner -- Multi-line Discount -- Multi-Car -- State -- Model Year -- Body Type -- Restraint System -- Displacement -- APPENDIX E. THE SCORE BUILDING PROCEDURES -- E. 1. DEVELOPING THE FTC BASE MODEL -- E.2. DEVELOPING "RACE NEUTRAL" MODELS -- E.3. DISCOUNTING VARIABLES FOR DIFFERENCES ACROSS RACIAL AND ETHNIC GROUPS -- APPENDIX F. ROBUSTNESS CHECKS AND LIMITATIONS OF THE ANALYSIS -- F.1. LIMITATIONS OF THE DATA AND THE ANALYSIS -- No Information on People who did not Obtain Insurance -- Single National Model -- Pooled Company Data -- Sub-Sample of Industry -- Territorial Risk Variable -- F.2. ROBUSTNESS CHECKS -- FICO Score -- No Nationally Representative Weights -- Outliers -- Full-Sample Models -- Census-Only Race and Ethnicity Data -- Absolute Income Measure -- Race and Ethnicity Imputation Cut-Offs -- High-Risk Sub-Group -- Estimating Total Losses by Modeling Frequency and Severity Separately -- Single Combined-Coverage Model -- "Tiering". Number of Score Categories -- Number of Geographic Risk Categories -- REFERENCES -- LIST OF CONTRIBUTORS -- FEDERAL TRADE COMMISSION -- Bureau of Economics -- Bureau of Consumer Protection -- Analysis Team -- Other Contributors -- INDEX -- Blank Page. |
| Record Nr. | UNINA-9910669095703321 |
| Hauppauge, N.Y., : Nova Science Publishers, c2009 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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Data point medical debt and credit scores
| Data point medical debt and credit scores |
| Autore | Brevoort Kenneth P. |
| Pubbl/distr/stampa | [Washington, D.C.] : , : Consumer Financial Protection Bureau, Office of Research, , 2014 |
| Descrizione fisica | 1 online resource (20 pages) : color illustrations |
| Soggetto topico |
Credit scoring systems - United States
Medical care, Cost of - United States Debtor and creditor - United States Consumer credit - United States |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Altri titoli varianti | CFPB data point: medical debt and credit scores |
| Record Nr. | UNINA-9910704150103321 |
Brevoort Kenneth P.
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| [Washington, D.C.] : , : Consumer Financial Protection Bureau, Office of Research, , 2014 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
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