Does discrimination in lending still persist?

A common perception is that lending discrimination on the basis of race exists. Whether that perception is correct has been the subject for legislative and regulatory actions and of empirical studies by economic researchers. Some studies have found evidence of lending discrimination while others have noted its absence. However, one would logically assume that if discrimination were to have occurred it would be more likely before the legislative and regulatory scrutiny rather than after. Therefore, if lending discrimination did once occur, the question arises as to whether lending discrimination still persists. An additional question is that if discrimination still persists, then is it intentional? If the regulators examined for lending discrimination and it still exists, then the question arises whether such actions by the lender is rational.