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By Premier Insights

In Fair Lending, Discrimination

Posted October 24, 2017

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 more affluent market. Since the number of people fitting this category is somewhat limited, many banks have instituted or are attempting to institute efforts to gain market share among this segment of potential bank customers.

By Premier Insights

In Fair Lending, Discrimination

Posted May 23, 2017

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 topics related to fair lending, including a summary of their supervisory and enforcement activities. One area addressed was the use of “testers” which involves sending persons of protected and non-protected class status into branch locations to inquire about services. 

By Premier Insights

In Fair Lending, Discrimination

Posted May 02, 2017

Forms of Fair Lending Discrimination: What the Data Can’t Tell You (Part 2 of 2)

 

In this series of posts, we address types of fair lending discrimination that are commonly recognized by the regulatory and enforcement agencies. 

By Premier Insights

In Fair Lending, Discrimination

Posted April 27, 2017

Forms of Fair Lending Discrimination: What the Data Can’t Tell You (Part 1)

In this series of posts, we address types of fair lending discrimination that are commonly recognized by the regulatory and enforcement agencies. The points covered are risk areas that are often examined in the course of regulatory reviews.  

By Premier Insights

In Fair Lending, Discrimination

Posted April 13, 2017

Forms of Fair Lending Discrimination: Borrower Age

In this series of posts, we address types of fair lending discrimination that are commonly recognized by the regulatory and enforcement agencies. The points covered are risk areas that are often examined in the course of regulatory reviews. Previously, we've covered fees and steering.

It is critical to bear in mind that fair lending laws and regulations are vast and, accordingly, there is almost an infinite number of pressure points. Our goal in this series is simply to draw from our experiences in our fair lending practice and provide information that will assist in reducing risk. 

By Premier Insights

In Discrimination, Fair Lending

Posted March 30, 2017

Forms of Fair Lending Discrimination: Fees

Lending fees represent a major area of risk among forms of fair lending discrimination. In this article, we explore a fair lending analysis of fees.

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