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Five Ways to Manage Exceptions and Overrides for Risk Mitigation

(Originally published in ABA Risk and Compliance, November/December 2023) In lending, discretion can take several forms, including exceptions and overrides. An exception is an application whose outcome is not fully consistent with credit underwriting and pricing policies. The variation can be either in the underwriting outcome, or in loan terms and conditions, such as interest […]

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HMDA and CRA Submission Season - Remembering to Keep Sight of the Forest for the Trees

As the submission March 1 deadlines loom for annual CRA and HMDA data reporting, Compliance Officers can sometimes feel a bit lost in the woods. While the details of filings are always important, it’s critical to take the time to pick your head up and look at your data at a macro level. This past […]

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Unlocking Insights: Analyzing the 2022 CRA Peer Data for Small Business, Small Farm and Community Development

Unlocking Insights: Analyzing the 2022 CRA Peer Data for Small Business, Small Farm and Community Development On December 20, 2023, the three Federal banking agency members of the Federal Financial Institutions Examination Council (FFIEC) with Community Reinvestment Act (CRA) responsibilities — the Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance […]

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Accuracy of Adverse Action Notices

On November 8, 2023, the Consumer Financial Protection Bureau (“CFPB”) entered into a consent order with a major bank to resolve allegations of violations of the Equal Credit Opportunity Act (“ECOA”) and Regulation B. Among other allegations, the CFPB asserted that the lender “failed to provide applicants with an accurate and adequate statement of the […]

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Combating Antisemitism In Banking Services

By Lynn Woosley, CRCM (Originally published in ABA Risk and Compliance, September/October 2023) Citing an alarming increase in antisemitic incidents, on May 25, 2023, the Biden Administration released a National Strategy to Counter Antisemitism (“Antisemitism Strategy”). [1] This follows the administration’s establishment of an Interagency Policy Committee on Antisemitism, Islamophobia, and Related Forms of Bias […]

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Mortgage Lending Risks: Lessons from the CFPB’s Data Point: 2022 Mortgage Market Activity and Trends

In September 2023, the Consumer Financial Protection Bureau (“CFPB”) released Data Point: 2022 Mortgage Market Activity and Trends (“Data Point”).[1] In the Data Point, the CFPB analyzed applications and originations reportable under the Home Mortgage Disclosure Act (“HMDA”) and summarized 2022 mortgage market activity, highlighting declines in mortgage activity and shifts in transaction types. Significant […]

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Employee Spotlight: Darci Johnson, Director of Marketing Events & Client Engagement, Asurity

Seven Questions with Asurity Director of Marketing Events & Client Engagement, Darci Johnson! Meet Darci Johnson! She’s the Director of Marketing Events & Client Engagement here at Asurity and last month, we celebrated her 23rd anniversary with our team! Describe what you do at Asurity/SLG in 3 words or less. DJ: Plan, Coordinate, Facilitate What […]

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Loan Servicing Fees: A Consumer Protection Perspective

Loan servicing fees are charges imposed by loan servicers to manage and administer a borrower’s loan. These fees cover a range of services, including processing payments, maintaining records, providing customer support, and handling escrow accounts for property taxes and insurance. While these services are essential for the smooth operation of the lending process and recovering […]

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Get to Know the Team Behind the Engine - RegCheck Employee Spotlight: Steven Wang, Senior Software Engineer

How long have you been in the industry and what brought you to it?I have been working in the industry for over 7 years. My journey began when one of my university professors introduced me to the financial sector, where I worked for about 7 years. After that, I ventured into other areas such as […]

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Remote Online Notarization Update – Where Do We Stand

The document notarization process is finally catching up with the way people and businesses operate in today’s digital world. Remote online notarization (“RON”) uses technology to expedite and simplify a process which has traditionally been cumbersome and inconvenient, particularly for those living in rural areas. With the advent of RON, individuals are able to execute […]

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