@article{Kabir_Ruan_Anonymous,
    title = {Reducing Racial Disparities in Consumer Credit: Evidence from Anonymous Loan Applications},
    year = {2025},
    author = {Kabir, Poorya and Ruan, Tianyue},
    journal = {Management Science},
    doi = {10.1287/mnsc.2024.05026},
    note = {Available online ahead of print}
}