In this case, African-American auto buyer filed a class action lawsuit on behalf of African-African’s nationwide who financed their automobile purchase through GMAC. The lawsuit alleged that similarly situated African-Americans were charged higher interest rates than Whites on automobile loans. We were retained as testifying witnesses to analyze the loan pricing discrimination allegations and to comment on the cultural factors that influence a person’s credit and lending decision. In our work we performed several empirical studies that clearly showed that there are many cultural factors that are correlated with a person’s credit and lending decisions. Most importantly we found that cultural factors may in fact result in disparate loan pricing that on the surface appears to be discriminatory even if no actual discrimination against the individual borrowers did in fact occur. The two sides of this class action lawsuit have recently settled.”