A Look at the Future of the U.S. Labor Force to 2060
The Bureau of Labor Statistics has published an interesting study forecasting the future of the...
Commercial Bank Income Increases, but Loan Growth Slows
The FDIC reported that net income of commercial banks and savings institutions increased by over...
HMDA 2018: How Statistics Can Be Our Friend
For decades, banks and those of us who have been involved with regulatory compliance have objected...
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...
HMDA Reporting 2018: You May Not Be Ready (Part 2 of 2)
In Part 1 of this post I raised the issue of the new HMDA to be reported March 1, 2018, and how...
HMDA Reporting 2018: You May Not Be Ready (Part 1 of 2)
The update to HMDA reporting is just around the corner, and while most institutions are probably...
The CFPB Releases 2016 Fair Lending Report
In April, the Bureau released its fair lending report for 2016. The report summarizes enforcement...
Managing Underwriting Loan Policy Exceptions
Financial regulatory agencies today are especially focused on risk in their supervision practices....
ABA Issues Fair Lending White Paper to U.S. Secretary of the Treasury
The ABA has issued a fair lending white paper to Treasury entitled: Fair Lending: Fighting Illegal...
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...