Reducing Racial Disparities in Consumer Credit: Evidence from Anonymous Loan Applications

The authors thank Kay Giesecke (the editor), an anonymous associate editor, and an anonymous referee for their insightful comments. The authors thank Sumit Agarwal, Scott Frame (discussant), Pulak Ghosh (discussant), Sebastian Krul (discussant), Will Shuo Liu (discussant), Dan Luo (discussant), Karsten Müller, Jessica Pan, Ivan Png, Vatsala Shreeti (discussant), Arkodipta Sarkar, and Greg Weitzner (discussant) for their insightful comments. The authors are grateful to seminar participants at the National University of Singapore, Fudan University, Indian Institute of Management Ahmedabad, Naikai University, Virtual Household Finance Seminar, Peking University, Renmin University of China, and the 25th EdukCircle as well as conference participants at the Asia Pacific Online Corporate Finance Workshop, Applied Economic Workshop, Research Symposium on Finance and Economics, Asian Bureau of Finance and Economic Research “Innovation, Productivity and Challenges in the Digital Era: Asia and Beyond” Webinar, Boulder Summer Conference on Consumer Financial Decision Making, North America Summer Meeting of the Econometric Society, European Economic Association, European Financial Management Association, European Finance Association (poster), Asian Meeting of the Econometric Society, Queensland Corporate Finance Conference, Center for the Economic Analysis of Risk - Retirement and Savings Institute Household Finance Workshop, and Economics of FinTech for their helpful comments and discussions. The authors are also grateful to Mingyang Sun and Jie Yang for their excellent research assistance.