Use of Credit Cards is On the Upswing
The Center for Microeconomic Data’s latest Quarterly Report on Household Debt and Credit shows that...
Improve Customer Service to Lower Fair Lending Risk
A formal complaint filed against a financial institution with a regulatory agency often results in...
Understanding the 3 Types of Fair Lending Discrimination
Fair lending laws and regulations are broad and cover every phase of the lending transaction. This...
Modeling Rate Sheet Variables for Fair Lending Regression Analysis
Most financial institutions have rate sheets that provide pricing guidance for various loan...
Five Basic Tips for Managing Fair Lending Compliance
Fair lending compliance remains treacherous waters for financial institutions. The advent of...
The Consequences of Using Proxies For Fair Lending Regression Analysis
In a whitepaper entitled “BISG Methodology and Its Impact on Regression Analysis,” we study the use...
Detecting Discrimination in Fair Lending Analysis Using Proxies
The use of proxy methods in fair lending analysis – and in particular fair lending enforcement...
BISG Matching and Its Impact on Regression Analysis for Fair Lending
In determining whether discrimination occurs based on race or ethnicity, particularly with regard...
Essential Elements of Profitable Loan Pricing
In a previous article, we discussed the fair lending benefits of having a profitable and...