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Fair Lending - Banking Exchange
Fair lending keeps morphing

Fair lending keeps morphing

When banks with “Satisfactory” CRA ratings wind up in fair-lending trouble, what makes sense?
SNL Financial, part of S&P Global Market Intelligence, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the subscriber side of SNL Financial's website.

Fixing CRA ratings

SNL Report: Unsatisfactory regulatory marks require complex solutions from banks
Getting ready for more HMDA

Getting ready for more HMDA

New requirements hit both those with experience and commercial lenders unfamiliar with joys of this reg
Look-alike loans may not really be alike when you dig into the data. Common sense would tell you that. Each "Common Sense Compliance" blog brings perspective by delving for meanings behind trends—and missed footnotes that mean a big deal.

Fair lending and new HMDA data

Can you really prove discrimination using only data?
Better lending to minority-owned small businesses begins with better information about this market. New data from Experian fleshes out banker knowledge of this potential customer base.

Understanding minority-owned businesses

New research highlights details about population, credit trends
Weighing CFPB’s HMDA resubmission guidelines

Weighing CFPB’s HMDA resubmission guidelines

Proposal to consider changes to guidelines adds complication
What's "fair"? While some bankers have been known to use their own “smell test” for new products, services, or policies, “fair” can be subjective. It's a puzzle banks are working out.

Fair banking on the rise

Combines elements of fair lending, UDAAP, even complaints—and puts more emphasis on outcomes
Justice Department official Vanita Gupta made it clear in a recent speech that fair-lending cases remain a top federal enforcement target. Justice now receives the most referrals from the Consumer Financial Protection Bureau.

Justice heightens focus on fair-lending

Top civil rights official draws link between 2015 civil unrest and credit availability
The U.S. Supreme Court’s June 26 decision in Obergefell v. Hodges affects banking transactions. We asked longtime contributor Lucy Griffin, co-author of our “Common Sense Compliance” blog to sort out the issues.

Lending and more under same-sex marriage decision

Issues to watch under both federal and state laws and regulations
Branches after post-crisis pruning

Branches after post-crisis pruning

SNL Report: Office openings and closings by CRA-designation since 2006
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