Two Critical Fair Lending Impacting Events Already Unfolding in 2023
Earlier this year, we highlighted 4 forthcoming critical events that banks should be ready for with...
HMDA 2022: Increased Minority Lending and the Rate Environment
In a recent post we highlighted the increases in aggregate HMDA lending between 2021 and 2022 in...
Rate Environment Has Consequences for Credit Quality
Credit conditions have changed rapidly and have created a situation for lenders which is very...
1071 Small Business Reporting Fair Lending Fact Sheet
The upcoming reporting of small business lending under the 1071 section of the Dodd-Frank Act...
MSAs Post Big Swings in Majority-Minority Census Tract Lending
The preliminary 2022 HMDA data recently released by the CFPB is the first glimpse into aggregate...
Large and Small Banks Must Have a Holistic Approach to Maintain Solvency
The U.S. Economy rose 2.6% in the fourth quarter according to the BEA’s third and final estimate...
Critical Preliminary 2022 HMDA Data Now Publicly Available
This week the CFPB released preliminary HMDA data for all lenders reported for calendar year 2022....
What to Consider When Implementing AI in Lending: A Conversation with ChatGPT
In the first post in our series on AI in lending, I began a conversation with ChatGPT, a so-called...
The Critical Role of Regulatory Forensics
The regulatory world in which financial companies operate is a vast sea of uncertainty that is...
On The Use of Regression Analysis in Fair Lending
In recent posts, we have focused on redlining as one of the more prominent fair lending risks that...