Fair lending risk and compliance management

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A single fair lending violation can undermine so much hard work.

Fair lending compliance is changing fast, and it’s hard to keep up.

The landscape of regulatory enforcement for fair and responsible banking is constantly shifting.

And one violation can tarnish your company’s reputation, bring fines and penalties, and derail your strategies for growth.

We’ve got you covered.

You need an ally who understands fair lending risk management and has your back.

Let us help

When it comes to fair lending risk, what you don’t know can hurt you.

Even when your company is working hard to serve everyone in the community, your lending data can paint a different picture.

Evidence of disparate impacts in lending can lead to painful consequences.

The only way to know the story your lending data tells is through detailed analysis founded on deep regulatory knowledge and extensive experience.

If you’re not one step ahead of fair lending risk, you’re one step behind.

Increased accessibility means your lending data is out in the open. Regulators today don’t even need to enter your bank to assess your lending practices and find potential issues. Without a proactive approach in place, all you can do is react.

The key is to work with fair lending risk management specialists who have the tools, resources, and expertise to verify that your lending data doesn’t contain any surprises.

That’s how you can finally begin to unlock the unknowns.

Build, maintain, or optimize your fair lending program – we can help at any stage.

Fair lending program consulting

Testing

Analytics

Fair lending program consulting

Remediate issues and get in fair lending compliance

As you build your foundation, you’ll need program consulting from an experienced voice you can trust. We can help you address issues and establish the fundamental elements of a forward-looking program.

Risk assessment

Data analysis

Auditing and testing

Risk assessment

Data analysis

Auditing and testing

Issues management

Reporting

Program administration and governance

Issues management

Reporting

Program administration and governance

Testing

Meet requirements and adjust to new regulatory expectations

Comprehensive testing is critical for a healthy program. Regulators expect constant improvement, so you can’t afford to tread water. We can review your program with a critical eye and help you benchmark against peers.

Model validation

Internal audit

Consumer protection regulatory testing

Model validation

Internal audit

Consumer protection regulatory testing

Analytics

Address problems and get your fair lending program ready for the future

Insights from data analytics become more important as you look to optimize. We can help you apply analytics, proactively assess risk, and prepare your program for what’s ahead.

HMDA data

Non-HMDA data

Consumer lending, commercial lending, third-party agents such as fintechs and indirect lenders

Peer comparison

Redlining assessment

HMDA data

Non-HMDA data

Consumer lending, commercial lending, third-party agents such as fintechs and indirect lenders

Peer comparison

Redlining assessment

Data analytics and deep financial services experience provide our one-two punch.

Lots of companies can provide analysis of your lending data. Great – now you’ve got a report full of numbers.

What good are numbers without someone to help you understand what they mean?

When you pair data analytics tools with decades of financial services experience, that’s when you get meaningful growth and change.

Fair lending compliance is just the beginning.

When you work with Crowe fair and responsible banking specialists, each risk assessment becomes more than a compliance exercise.

Every potential source of disparate impact you identify is an opportunity to better serve all your customers.

Our expertise is deep, and our technology is innovative, but our mission is simple: see to it that you’re informed, prepared for the future, and situated for growth.

Integrated risk management

We have deep insights into GRC and can provide the risk content and technology to automate and connect your areas of risk.

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Regulatory response

Whether you’re dealing with a regulatory action or getting up to speed on a new standard, we can help.

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Model risk management

Be confident that your models will pave the way for sound business decisions.

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Third-party risk management

Find out if any of your vendors present major risks for your company.

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