Modernizing FHA Property Standards: Impact on CRA and Fair Lending
The Federal Housing Administration (FHA) announced proposed policy updates to the Single Family...
Premier Insights
Regression Analysis in Fair Lending: Best Practices for Variable Selection and Model Specification in 2026
As fair lending examinations continue to emphasize data-driven approaches, regression analysis...
Navigating the Intersection of CRA Assessment Areas and Fair Lending Risk: Challenges in Delineation and Keys to Avoiding Pitfalls
Community Reinvestment Act (CRA) compliance and fair lending risk management are closely linked,...
The Aging Paradox in Commercial Banking: Why Demographic Aging Will Reshape—Not Erase—the Bank Branch
For the past decade, conventional wisdom across fintech boardrooms and retail banking summits has...
Looking Under the Hood: A Closer Look at the FDIC’s Q2 2026 Banking Report
The FDIC’s Second Quarter 2026 Quarterly Banking Profile posits yet another set of strong top-line...
2025 HMDA Data: More Volume, Better Aggregate Outcomes, Persistent Disparities
The 2025 Static HMDA Loan/Application Register tells a clear headline story: mortgage activity...
Understanding the Revised July 2026 Community Bank Leverage Ratio Framework: What Changed (and What Didn’t) for Banks Under $10 Billion
On July 1, 2026, the revised Community Bank Leverage Ratio (CBLR) framework took effect. The...
FDIC & OCC PROPOSE AMENDMENTS TO CRA REGULATION
The OCC and FDIC are jointly proposing targeted amendments to their CRA regulations (12 CFR Parts...
AI, Machine Learning, and the New Demands of Regulatory Risk Management in Fair Lending
Financial institutions are integrating artificial intelligence and machine learning into...
New Interagency Guidance on Lending to Non-Work Authorized Individuals: Implications for Banks and Credit Unions
The banking industry is adapting to evolving regulatory expectations around credit risk, customer...