The evidence behind the guides

Sources library

Browse by topic or search for a study, author or question. Open evidence notes to see what a source can—and cannot—tell us.

TopicCollection

Sources for Consumer credit scoring

2 sources

Guide citations are still under editorial review.

Consumer Financial Protection Bureau Historical regulatory guidance

Circular 2022-03: Credit Decisions Based on Complex Algorithms (original source, new tab)

2022 explanation of adverse-action reasons; consult current rules for legal obligations.

Bartlett, Morse, Stanton and Wallace; NBER Research paper

Consumer-Lending Discrimination in the FinTech Era (original source, new tab)

Mortgage pricing and lending disparities in the studied market; not a universal claim about all automated lenders.

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