Explaining Racial Disparities in Personal Bankruptcy Outcomes
This paper examines the role of racial bias in contributing to disparities in consumer bankruptcy outcomes. Using a deep learning model trained on voter registration data to impute race in their analysis of bankruptcy filings between 1990 and 2022, the authors find that Black filers are more likely to have their cases dismissed without any debt relief under both Chapter 13 and Chapter 7 than White filers.
Bronson Argyle et al.
September 2022