Statement of Cheryl R. Cooper Analyst in Financial Economics Before Committee on Financial Services Subcommittee on Oversight and Investigations U.S. House of Representatives Hearing on “How Invidious Discrimination Works and Hurts: An Examination of Lending Discrimination and Its Long-Term Economic Impacts on Borrowers of Color” February 24, 2021 Congressional Research Service https:/crsreports.congress.gov TE10060