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Evidence record 11944 · automatically gathered

STRATA: A Name-and-Geography Race Inference Model for Fair Lending and Housing Equity Applications

arXiv:2504.21259v2 Announce Type: replace Abstract: Accurate imputation of race and ethnicity (R&E) is essential for fair lending compliance under ECOA, HMDA, and the Community Reinvestment Act, where up to 15% of mortgage applications carry missing race data and regulated institutions bear responsibility for identifying disparities on those records. Existing proxy methods, including Bayesian Improved Surname Geocoding (BISG), exhibit systematic misclassification biases linked to socioeconomic s

Record details

Published: 21 July 2026
Source: arXiv cs.CY
Category: Research
Topics: Bias & fairness · Regulation
Retrieved: 21 July 2026

source-onlyevidence status

These records share source-supplied organisations, an exact publisher byline, automatic topics or regions. The reason is shown on every link; related does not mean supporting, agreeing with or verifying this record.

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How to cite this record

ethics.ai (21 July 2026), “STRATA: A Name-and-Geography Race Inference Model for Fair Lending and Housing Equity Applications,” evidence record 11944, https://ethics.ai/record/11944 (originally published by arXiv cs.CY).

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