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...
Managing Data for Fair Lending Underwriting Analysis for Community Banks (Part 2 of 2)
In the second installment of this two-part post, we provide some guidance concerning data for...
Managing Data for Fair Lending Underwriting Analysis for Community Banks (Part 1)
In Part 1 of this two-part post, we discuss some issues with conducting fair lending underwriting...
A Look at the Future of the U.S. Labor Force to 2060
The Bureau of Labor Statistics has published an interesting study forecasting the future of the...
Commercial Bank Income Increases, but Loan Growth Slows
The FDIC reported that net income of commercial banks and savings institutions increased by over...
HMDA 2018: How Statistics Can Be Our Friend
For decades, banks and those of us who have been involved with regulatory compliance have objected...
Agencies’ Use of Testers in Assessing Discriminatory Lending Practices
The CFPB recently released its report on fair lending for 2016. The report covered a number of...
HMDA Reporting 2018: You May Not Be Ready (Part 2 of 2)
In Part 1 of this post I raised the issue of the new HMDA to be reported March 1, 2018, and how...
HMDA Reporting 2018: You May Not Be Ready (Part 1 of 2)
The update to HMDA reporting is just around the corner, and while most institutions are probably...