Journal Article
How banks can self-monitor their lending to comply with the equal credit opportunity act
Winters, Drew B.; Dwyer, Peggy D.; Gilkeson, James H. (2003-09)
The authors provide a step-by-step discussion of how an individual lender in the United States can self-monitor its loan process for compliance with the Equal Credit Opportunity Act and provide an empirical example for illustration. Along the way, they discuss the problems faced by individual lenders who attempt to self-monitor their lending process and conclude with a discussion of the continuing, constructive role for bank examiners and regulators in this endeavor.
Review , Volume 85 , Issue Sep

Journal Article
Buy, sell, or hold? Valuing cash flows from mortgage lending
Smith, Stephen D.; Jacob, Paul; Gilkeson, James H. (1994-11)
Economic Review , Volume 79 , Issue Nov , Pages 1-16

Journal Article
The convexity trap: pitfalls in financing mortgage portfolios and related securities
Smith, Stephen D.; Gilkeson, James H. (1992-11)
Economic Review , Issue Nov , Pages 14-27