{
  "id": 11944,
  "url": "https://arxiv.org/abs/2504.21259",
  "title": "STRATA: A Name-and-Geography Race Inference Model for Fair Lending and Housing Equity Applications",
  "summary": "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",
  "authors": "S. Chalavadi, A. Pastor, T. Leitch",
  "category": "research",
  "topics": "bias-fairness,regulation",
  "orgs": null,
  "regions": null,
  "published_at": "2026-07-21T04:00:00.000Z",
  "fetched_at": "2026-07-21T05:10:12.656Z",
  "source_slug": "arxiv-cscy",
  "source_name": "arXiv cs.CY",
  "source_homepage": "https://arxiv.org/list/cs.CY/recent",
  "ethics_ai_record_url": "https://ethics.ai/record/11944",
  "original_url": "https://arxiv.org/abs/2504.21259",
  "evidence_status": "source-only",
  "attribution": "via ethics.ai"
}