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Intrametropolitan Patterns of Small-Business Lending

What Do the New Community Reinvestment Act Data Reveal?

Woodstock Institute

Discrimination and redlining in business lending have been cited as contributing to economic decline in lower-income neighborhoods. Until recently, bank regulators have not collected geographic data on business loans. Using new data collected by regulators, the author measures small-business lending flows to different types of neighborhoods in the Chicago metropolitan area. Although data limitations preclude a definitive finding of differential access to credit, lower-income and minority neighborhoods areas receive fewer loans after accounting for firm density, firm size, and industrial mix, findings that support the notion of geographic and/or race-based discrimination in marketing or approving loans.

Urban Affairs Review, Vol. 34, No. 6, 787-804 (1999)
DOI: 10.1177/10780879922184202


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