Competition for the Affluent Banking Market and Disparate Impact
Commercial banks are required under the Community Reinvestment Act (CRA) to serve all segments of...
FDIC Meeting of Advisory Committee on Community Banking
The FDIC held a meeting of the Advisory Committee on Community Banking on Wednesday, July 12.
White Paper Addressing Special Case Loans in Fair Lending Regression Analysis Now Available
A question that often arises in fair lending regression analysis of lender loan decisioning...
Model Specification Issues in Fair Lending Regression Analysis
A fundamental assumption in fair lending regression analysis is that the model is correctly...
Model Specification Issues in Fair Lending Regression Analysis Omitted Variables
Regression analysis is a powerful tool for assessing fair lending risk and performance. As is the...
Handling Special Case Loan Applications in Fair Lending Regression Analysis
When preparing to conduct a fair lending regression analysis, the first step is to determine the...
How Will Rising Interest Rates Affect Bank Profits?
The Fed has increased interest rates 3 times now since December of 2015 resulting in an increase...
Recent Fed Economic Report Indicates Increases in Consumer Delinquencies U.S Bank Stocks Continue to Underperform
A recent economic report from the New York Federal Reserve indicates that loan payment...
Understanding the Limitations of Fair Lending Regression Analysis
As we have discussed in previous posts, fair lending regression analysis has become widely used...
Balancing the Community Reinvestment Act and Other Fair Lending Regulations
A tension exists between a bank meeting its CRA obligations and compliance with other fair lending...