We study how inheriting parents’ credit histories affects credit scores, access to credit, and subsequent experiences of young indi- viduals entering the credit market. First, having an inherited credit history significantly positively affects credit scores at entry. Second, initial credit...

Black agricultural land ownership was at a peak just after the turn of the twentieth century; however, there was a nearly 90 percent decline in ownership from 1910 to 1997 (US Department of Agriculture (USDA) 1840–2012). In this paper, we use US Census of Agriculture (COA) data to estimate...

Using hand-collected race information of small business owners that concealed their race in Paycheck Protection Program applications, we find evidence that not disclosing race information in loan applications pays off significantly. Our results show that black-owned businesses that concealed...