Targeting the Affluent Banking Customer and Managing Fair Lending Risk
Most community banks have some type of program or programs in which they attempt to cater to the...
Posts about Fair Lending (6)
BISG Proxies In Fair Lending Analysis and Fund Disbursement For Remediation
There is a great deal of discussion concerning the practice of conducting fair lending analyses of...
FFIEC Release of 2016 HMDA Marks End of an Era
The FFIEC announced last week that 2016 Home Mortgage Disclosure Act (HMDA) data for reporting...
Understanding & Managing Policy Exceptions Remains Critical Facet of Fair Lending Risk Mitigation
Understanding and managing exceptions to loan policy is a critical component of a financial...
Rising Rates May Boost Profits But Also Elevate Fair Lending Risk
As we have noted previously, banks across the board are performing better in regard to earnings....
Issues in Name Matching for BISG and Other Proxy Methods for Fair Lending Analysis
One of the challenges in analyzing consumer data for fair lending is the lack of protected-class...
New Frontiers for Fair Lending: Race & Ethnicity-Specific Redlining Analyses
There are often game-changers in the world of regulatory risk.
Loan Stratification for Conducting Fair Lending Regression Analysis
We have discussed previously some of the limitations of regression analysis and the importance of...
In the Fair Lending Crosshairs: Commercial Lending
Historically, business lending has not been the focus of fair lending reviews during bank...
Competition for the Affluent Banking Market and Disparate Impact
Commercial banks are required under the Community Reinvestment Act (CRA) to serve all segments of...