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Triggered by the collapse of housing prices and a surge in
defaults and delinquencies, a spate of recent cases include an array of
allegations concerning potential predatory lending behavior. Complaints
allege that the loan-generating process itself was fraudulent or that
certain types of loans or loan characteristics were unsuitable for the
borrower. Other suits allege discriminatory practices, claiming
disparate treatment of groups based on race or other demographic
characteristics.
In addressing these types of allegations, which involve claims
for either injunctive relief or monetary damages, NERA experts perform
rigorous statistical investigations of alleged practices. We use
econometric analysis to understand the causes of differences in loan
prices and terms, including the credit history, education, and income of
the borrower, as well as the borrower’s preference for risk (or
discount rate). Our experts also consider the competitiveness of the
market in which the loan was arranged and other macroeconomic factors.
Statistical analysis is essential to distinguish behavior that is
predatory from that which is explainable by other factors and so does
not provide evidence of fraud or discrimination.
NERA experts have extensive experience presenting the results of complex statistical analyses in a manner that can be easily understood by clients, judges, and juries.
Name | Title | Location | Phone | |
---|---|---|---|---|
Lucy P. Allen | Senior Managing Director | New York City | +1 212 345 5913 | lucy.allen@nera.com |
Dr. Denise Neumann Martin | Senior Managing Director | Miami | +1 305 808 7880 | denise.martin@nera.com |
Dr. Faten Sabry |
Senior Managing Director
Chair of NERA's Global Securities and Finance Practice Bankruptcy Practice Chair |
New York City
London |
+1 212 345 3285
+44 20 7659 8618 |
faten.sabry@nera.com |
Dr. Stephanie Plancich | Managing Director | New York City | +1 212 345 7719 | stephanie.plancich@nera.com |
Janeen McIntosh | Senior Consultant | New York City | +1 212 345 1375 | janeen.mcintosh@nera.com |
Mark L. Berenblut | Affiliated Consultant |
Toronto
New York City London |
+1 416 868 7311
+1 917 475 0020 +44 20 3769 1096 |
mark.berenblut.affiliate@nera.com |
Title | Date | |||
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Asbestos Litigation Risks: How Recent Changes in Asbestos Landscape May Affect Your R... | 14 March 2019 | |||
2017 Women in Litigation Joint Conference | 15 November 2017 | |||
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Title | Date | Type | ||
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NERA Economic Consulting Announces Senior-Level Promotions | 28 July 2022 | Press Release | ||
NERA Experts Promoted to Managing Director and Director | 15 February 2022 | Press Release | ||
NERA Economic Consulting Announces Senior-Level Promotions | 23 February 2021 | Press Release | ||
NERA Economic Consulting Opens Office in Miami, Florida | 14 November 2017 | Press Release | ||
NERA Economic Consulting Recognized in Who’s Who Legal: Consulting Experts Guide | 06 October 2016 | Press Release | ||
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