Category: Discrimination

Premier Insights - Discrimination

Cutting Through the Murkiness: Fundamentals of the Comparative Review for Fair Lending

Fair lending concerns are one of the dominant risks lenders face in regard to their business operations. Although larger lenders typically have significant resources in place to mitigate these risks, and there has been an emphasis in the last decade on quantitative methods for fair lending evaluation, there remains a great deal of subjectivity in […]

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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.

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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 […]

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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. 

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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.  

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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 […]

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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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