CFPB’s Section 1071 Phase One Update: What Bank Leaders Need to Know
The Consumer Financial Protection Bureau (CFPB) has issued its final rule revising Regulation B...
Addressing the CECL Conundrum
The Current Expected Credit Losses (CECL) standard has been fully in effect across the banking...
Beyond the Chatbot: How Agentic AI is Automating Banking Workflows
Agentic AI is taking financial institutions beyond basic chatbots into autonomous, multi-step...
Fair Lending After Reg B and 1071 Changes: Relief Is Real But The Work Not Over
For the last five years, fair lending has been shaped largely through enforcement. DOJ and CFPB...
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...