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loan approval |
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Ross and Yinger argue that the current fair-lending enforcement system is seriously flawed since it misses cases of discrimination in loan approval that take the form of disparate treatment and is incapable of identifying loan-approval discrimination which takes the form of disparate-impact. The study by the Southern California Coro Foundation, a nonprofit leadership training group, said the low loan approval rate is the result of long-standing mistrust of institutions, cultural divides and language barriers. Loan officers receiving the case in which the external auditor performed management functions for the outsourced internal audit gave the case the lowest independence ratings, financial statement reliability scores and loan approval rate. |
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