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|a HCDD
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|a Credit-based insurance scores :
|b impacts on consumers of automobile insurance /
|c Martin H. Tarlington, editor.
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|a New York :
|b Nova Science Publishers, Inc.,
|c [2009]
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|a 1 online resource
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|a text
|b txt
|2 rdacontent
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|a computer
|b c
|2 rdamedia
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|a online resource
|b cr
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|g polychrome.
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|0 http://rdaregistry.info/termList/RDAColourContent/1003
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|a text file
|2 rdaft
|0 http://rdaregistry.info/termList/fileType/1002
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|a Includes bibliographical references (pages 127-146) and index.
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|a Description based on online resource; title from PDF title page (Site, viewed 01/29/2021).
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|a CREDIT-BASED INSURANCE SCORES:IMPACTS ON CONSUMERS OFAUTOMOBILE INSURANCE; CONTENTS; PREFACE; I. EXECUTIVE SUMMARY; II. INTRODUCTION; III. DEVELOPMENT AND USE OFCREDIT-BASED INSURANCE SCORES; A. BACKGROUND AND HISTORICAL EXPERIENCE; B. DEVELOPMENT OF CREDIT-BASED INSURANCE SCORES; C. USE OF CREDIT-BASED INSURANCE SCORES; D. STATE RESTRICTIONS ON SCORES; IV. THE RELATIONSHIP BETWEENCREDIT HISTORY AND RISK; A. CORRELATION BETWEEN CREDIT HISTORY AND RISK; 1. Prior Research; 2. Commission Research; a. FTC Database; B. POTENTIAL CAUSAL LINK BETWEEN SCORES AND RISK.
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|a V. EFFECT OF CREDIT-BASED INSURANCESCORES ON PRICE AND AVAILABILITYA. CREDIT-BASED INSURANCE SCORES ANDCROSS-SUBSIDIZATION; 1. Possible Impact on Car Ownership; 2. Possible Impact on Uninsured Driving; 3. Adverse Selection; B. OTHER POSSIBLE EFFECTS OFCREDIT-BASED INSURANCE SCORES; C. EFFECTS ON RESIDUAL MARKETSFOR AUTOMOBILE INSURANCE; VI. EFFECTS OF SCORES ON PROTECTEDCLASSES OF CONSUMERS; A. Credit-Based Insurance Scores and Racial, Ethnic, and Income Groups; 1. Difference in Scores Across Groups; 2. Possible Reasons for Differences in Scores Across Groups.
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|a 3. Impact of Differences in Scores on Premiums Paida. Effect on those for whom Scores Were Available; b. Effect on Those for Whom Scores Were Not Available; B. SCORES AS A PROXY FOR RACE AND ETHNICITY; 1. Do Scores Act Solely as a Proxy for Race, Ethnicity, or Income?; 2. Differences in Average Risk by Race, Ethnicity, and Income; 3. Controlling for Race, Ethnicity, and Income to Test for a Proxy Effect; a. Existence of a Proxy Effect; b. Magnitude of a Proxy Effect; VII. ALTERNATIVE SCORING MODELS; A. THE FTC BASELINE MODEL; B. ALTERNATIVE SCORING MODELS; 1. "Race Neutral" Scoring Models.
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|a 2. Model Discounting Variables with Large Differencesby Race and EthnicityVIII. CONCLUSION; APPENDIX A. TEXT OF SECTION 215 OF THE FACT ACT; SEC. 215. STUDY OF EFFECTS OF CREDIT SCORES AND CREDITBASEDINSURANCE SCORES ON AVAILABILITYAND AFFORDABILITY OF FINANCIAL PRODUCTS; APPENDIX B. REQUESTS FOR PUBLIC COMMENT; FEDERAL TRADE COMMISSION; SUMMARY; DATES; ADDRESSES; FOR FURTHER INFORMATION CONTACT; SUPPLEMENTARY INFORMATION; I. Background; II. Request for Comments; FEDERAL TRADE COMMISSION; SUMMARY; DATES; ADDRESSES; FOR FURTHER INFORMATION CONTACT; SUPPLEMENTARY INFORMATION; I. Background.
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|a II. Request for CommentsA. Credit Scores and Credit; B. Credit-Based Insurance Scores and Property and Casualty Insurance; APPENDIX C. THE AUTOMOBILE POLICYDATABASE; C.1. THE EPIC DATABASE; C.2. THE FTC DATABASE; C.2. 1. Additional Information Obtained for the Full Sample; Core Policy Data and ChoicePoint Credit Scores; Geographic Location Information and Census Data; Choice Point Credit History Variables; CLUE Data; Hispanic Surname Match; Vehicle Characteristics; C.2.2. Additional Information Obtained for a Sub-Sample of 400,000; FICO Scores.
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|a Consumer credit
|z United States.
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|a Credit scoring systems
|z United States.
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|a Discrimination in insurance
|z United States.
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|a Automobile insurance
|z United States.
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| 650 |
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|a BUSINESS & ECONOMICS
|x Insurance
|x Automobile.
|2 bisacsh
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|a Automobile insurance
|2 fast
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|a Consumer credit
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|a Credit scoring systems
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|a Discrimination in insurance
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|a United States
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|a Tarlington, Martin H.,
|e editor.
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|i has work:
|a Credit-based insurance scores (Text)
|1 https://id.oclc.org/worldcat/entity/E39PCGFm687YBXKtHmGwBBVMrm
|4 https://id.oclc.org/worldcat/ontology/hasWork
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0 |
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|i Print version:
|t Credit-based insurance scores
|d New York : Nova Science Publishers, c2009.
|z 1606929143 (hardcover)
|w (DLC) 2008055220
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| 856 |
4 |
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|u https://ebookcentral.proquest.com/lib/holycrosscollege-ebooks/detail.action?docID=3019941
|y Click for online access
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|a EBC-AC
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