Robuta

https://www.aeaweb.org/articles?id=10.1257/aer.99.1.49
Liquidity Constraints and Imperfect Information in Subprime Lending by William Adams, Liran Einav and Jonathan Levin. Published in volume 99, issue 1, pages...
imperfect informationsubprime lendingliquidityconstraintsamerican
https://www.huduser.gov/portal/publications/fairhsg/unequal.html
subprime lendingunequalburdenincomeracial