This paper examines the impact of racial minority representation on advertising effectiveness. We do this by first assembling data on 10 million mortgage refinance loans, along with data on TV advertisements for mortgage refinance. We construct a measure of minority representation from video ads...

The authors empirically analyze the price-setting behaviour of the major Canadian banks in the residential mortgage market over the period 19912007. They use weekly posted prices of the major mortgage providers to study the degree of competition in mortgage price setting. Their results suggest...