Berger, Allen N.; Cowan, Adrian M.; Frame, W. Scott - Federal Reserve Bank of Atlanta - 2009
, primarily by community banks. The survey evidence suggests that the use of credit scores in small business lending by community … banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the small business … Lending by Community Banks and the
Attendant Effects on Credit Availability and Risk
Allen N. Berger, Adrian M. Cowan, and …