- Format:Live Stream
- Education Type:BCU Webinars
- Line of Authority:N/A
- Language:N/A
- Credit Hours:N/A
Despite news to the contrary, fair lending continues to be a very hot topic in 2026, even with a constant flow of new developments and expectations. Lenders continue to have important legal obligations to fulfill, and litigation is becoming more prevalent. As well, the states have begun acting to “fill in the gaps” in perceived retrenchment of enforcement. Over the past few years, we’ve seen new requirements and enhanced enforcement we must monitor. More recently, we’ve seen a de-emphasis on disparate impact liability and changes to Reg. B’s discouragement and Special Purpose Credit Program rules.
Are you keeping up with all these changes that will impact your institution? It is more critical now than ever to ensure your fair lending program covers all the bases. There are new ways of looking at lending patterns, activities, and risks, and new expectations from the agencies.
In this all-day streaming session, we’ll go in-depth with a discussion of fair lending principles, expectations, and techniques. We’ll explore what’s new in the area of fair lending, to new interpretations of protected classes, to future potential legislation and new agency leadership and priorities. We’ll also cover aspects of formulating and maintaining an effective fair lending risk assessment, a critical component of an institution’s fair lending compliance program. We’ll also explore the many risks and hot spots to monitor for fair lending, and discuss how to best comply with the new requirements and expectations. We’ll ensure you’re ready for your next fair lending compliance examination so you can put your best foot forward.
What You'll Learn
This session delivers a comprehensive, practical examination of fair lending requirements, enforcement trends, and risk management expectations across the entire lending lifecycle.
- Fair lending legal and regulatory structure – a brief history and where these requirements come from
- Who exactly is covered, “applicants” and “creditors”
- Special Purpose Credit Programs – leveling the playing field, and potential changes
- Violation consequences
- Related laws and regulations, HMDA, CRA, ADA, and more
- Prohibited bases under the rules (what you can do, as well), including changes in definitions – including examples and scenarios
- “Vulnerable populations” – covered?
- Legal theories of discrimination – how is fair lending enforced? Including examples
- Recent Executive Orders and de-emphasis on disparate impact liability
- Fair lending throughout the lending process – from A-to-Z
- The fair lending risk assessment – quantitative and qualitative factors
- Marketing considerations – putting your best foot forward
- Regulator priorities – supervisory reports
- Discrimination is UDAAP – CFPB and FDIC exam manuals, what does this mean?
- Redlining (including reverse redlining) – what is it, how do we analyze it, and what is new (hint, plenty)
- “Intrabank” vs. “Interbank” redlining analyses, including the opportunity assessment – what are the standards?
- Digital redlining – what is this and how does it impact your institution? How to look at redlining in the digital age
- REMA/Marketing Area/Service Area – what is this? What should we do to be ready for our next exam?
- Marketing and advertising issues – what can and can’t we do?
- Artificial intelligence (AI), algorithms, and “big data” – new areas of opportunity as well as risk
- Fair lending issues in the servicing environment, especially debt collection, default management, and foreclosures
- Government monitoring information – when to get it under Reg. B and HMDA, and how to handle it, including the URLA/1003 application form, and new Fannie/Freddie requirements for servicers
- Foreign language issues and “Limited English Proficiency,” or LEP, customers – how to handle this thorny issue?
