Fair Lending Analysis and Understanding Census Data

In fair lending analysis, one of the most common comparisons is to examine loan files based on race or ethnicity. These classifications are often misunderstood and can be confusing. This is because race and ethnicity are two different things.

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Forms of Fair Lending Discrimination: Fees

Lending fees represent a major area of risk among forms of fair lending discrimination. In this article, we explore a fair lending analysis of fees.

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Forms of Fair Lending Discrimination: Steering

  In this series of posts, we address types of fair lending discrimination that are commonly recognized by the regulatory and enforcement agencies. The points covered are risk areas that are often examined in the course of regulatory reviews. Today’s entry will cover the unfair practice known as “steering.” It is critical to bear in […]

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Lenders Should Be Aware of Fair Lending Risk as Interest Rates Rise

After being at record lows for nearly a decade, the Fed has raised interest rates three times in the past fifteen months. Although the current rate of 1% is still historically low, the rate environment has been static up until December of 2016.

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Forms of Fair Lending Discrimination: Introduction

  In an upcoming series of posts we address types of fair lending discrimination that are commonly recognized by the regulatory and enforcement agencies.

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Issues in Regression Modeling For Fair Lending Underwriting Analysis (Part 2 of 2)

In our previous post, we addressed a few frequently encountered issues when using regression methods to conduct a fair lending analysis. 

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Issues in Regression Modeling For Fair Lending Underwriting Analysis (Part 1 of 2)

Evaluating loan application outcomes (approval or denial) in the context of fair lending is referred to as an “underwriting analysis.” Regression modeling is commonly employed in such analyses.

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Recent FDIC Supervisory Report Indicates Strong Commercial Bank Loan Growth and Increasing Concentrations

The FDIC recent released its Winter 2016 edition of Supervisory Insights. This edition was focused on credit risk trends.

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What Does “Statistical Significance” Mean Anyway? Part 2 of 2

In our previous post, we started introducing the concept of statistical significance. We began with making two important points. First, statistical methods are applied in order to estimate or measure an unknown. A sample of data is analyzed which is then used to draw conclusions about a larger population. This is known as statistical inference. […]

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FDIC-Insured Institutions Earn $43.7 Billion in Fourth Quarter 2016, Community Bank Net Income Rises to $5.3 Billion

FDIC Chairman Gruenberg:“Revenue and net income were higher, loan balances grew, asset quality improved, and the number of unprofitable banks and ‘problem banks’ continued to fall,” Gruenberg said. “Community banks also reported solid results for the quarter and year with strong net income, revenue, and loan growth.

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