| fair lending examination procedures: Sheshunoff Fair Lending Examination Procedures Guide David McNamara, 1999-01-01 |
| fair lending examination procedures: Fair Lending Compliance Clark R. Abrahams, Mingyuan Zhang, 2008-03-14 Praise for Fair Lending ComplianceIntelligence and Implications for Credit Risk Management Brilliant and informative. An in-depth look at innovative approaches to credit risk management written by industry practitioners. This publication will serve as an essential reference text for those who wish to make credit accessible to underserved consumers. It is comprehensive and clearly written. --The Honorable Rodney E. Hood Abrahams and Zhang's timely treatise is a must-read for all those interested in the critical role of credit in the economy. They ably explore the intersection of credit access and credit risk, suggesting a hybrid approach of human judgment and computer models as the necessary path to balanced and fair lending. In an environment of rapidly changing consumer demographics, as well as regulatory reform initiatives, this book suggests new analytical models by which to provide credit to ensure compliance and to manage enterprise risk. --Frank A. Hirsch Jr., Nelson Mullins Riley & Scarborough LLP Financial Services Attorney and former general counsel for Centura Banks, Inc. This book tackles head on the market failures that our current risk management systems need to address. Not only do Abrahams and Zhang adeptly articulate why we can and should improve our systems, they provide the analytic evidence, and the steps toward implementations. Fair Lending Compliance fills a much-needed gap in the field. If implemented systematically, this thought leadership will lead to improvements in fair lending practices for all Americans. --Alyssa Stewart Lee, Deputy Director, Urban Markets Initiative The Brookings Institution [Fair Lending Compliance]...provides a unique blend of qualitative and quantitative guidance to two kinds of financial institutions: those that just need a little help in staying on the right side of complex fair housing regulations; and those that aspire to industry leadership in profitably and responsibly serving the unmet credit needs of diverse businesses and consumers in America's emerging domestic markets. --Michael A. Stegman, PhD, The John D. and Catherine T. MacArthur Foundation, Duncan MacRae '09 and Rebecca Kyle MacRae Professor of Public Policy Emeritus, University of North Carolina at Chapel Hill |
| fair lending examination procedures: Comptroller's Handbook for Compliance United States. Office of the Comptroller of the Currency, United States. Office of the Comptroller of the Currency. Multinational Banking Division, 1991 |
| fair lending examination procedures: Credit to the Community Daniel Immergluck, 2004 7. Community Reinvestment from 1988 to the End of the Twentieth Century: Struggles for Bank and Regulator Accountability -- 8. The Predatory Lending Policy Debate -- 9. The Community Reinvestment Act and Fair Lending Policy in the Twenty-first Century -- Notes -- Bibliography -- Index |
| fair lending examination procedures: NCUA Examiner's Guide United States. National Credit Union Administration, 1994 |
| fair lending examination procedures: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| fair lending examination procedures: Fair Housing Planning Guide , 1996 |
| fair lending examination procedures: Accounting Manual for Federal Credit Unions United States. National Credit Union Administration, 1974 |
| fair lending examination procedures: Loan Portfolio Management , 1988 |
| fair lending examination procedures: Higher Education Opportunity Act United States, 2008 |
| fair lending examination procedures: Federal Credit Union Handbook United States. National Credit Union Administration. Office of Examination and Insurance, 1999 |
| fair lending examination procedures: The Federal Reserve System Purposes and Functions Board of Governors of the Federal Reserve System, 2002 Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications. |
| fair lending examination procedures: NCUA Letter to Credit Unions , 1998 |
| fair lending examination procedures: Detecting Red Flags in Board Reports Office of the Comptroller of the Currency, 2014-10-19 Good decisions begin with good information. A bank's board of directors needs concise, accurate, and timely reports to help it perform its fiduciary responsibilities. This booklet describes information generally found in board reports, and it highlights “red flags”—ratios or trends that may signal existing or potential problems. An effective board is alert for the appearance of red flags that give rise to further inquiry. By making further inquiry, the directors can determine if a substantial problem exists or may be forming. |
| fair lending examination procedures: Underwriting Manual United States. Federal Housing Administration, 1936-04 |
| fair lending examination procedures: The Fight for Fair Housing Gregory D. Squires, 2017-10-16 The federal Fair Housing Act of 1968 was passed in a time of turmoil, conflict, and often conflagration in cities across the nation. It took the assassination of Dr. Martin Luther King, Jr. to finally secure its passage. The Kerner Commission warned in 1968 that to continue present policies is to make permanent the division of our country into two societies; one largely Negro and poor, located in the central cities; the other, predominantly white and affluent, located in the suburbs and outlying areas. The Fair Housing Act was passed with a dual mandate: to end discrimination and to dismantle the segregated living patterns that characterized most cities. The Fight for Fair Housing tells us what happened, why, and what remains to be done. Since the passage of the Fair Housing Act, the many forms of housing discrimination and segregation, and associated consequences, have been documented. At the same time, significant progress has been made in counteracting discrimination and promoting integration. Few suburbs today are all white; many people of color are moving to the suburbs; and some white families are moving back to the city. Unfortunately, discrimination and segregation persist. The Fight for Fair Housing brings together the nation’s leading fair housing activists and scholars (many of whom are in both camps) to tell the stories that led to the passage of the Fair Housing Act, its consequences, and the implications of the act going forward. Including an afterword by Walter Mondale, this book is intended for everyone concerned with the future of our cities and equal access for all persons to housing and related opportunities. |
| fair lending examination procedures: Riegle Community Development and Regulatory Improvement Act of 1994 United States, 1994 |
| fair lending examination procedures: State-chartered Credit Unions United States. Bureau of Federal Credit Unions, 1972 |
| fair lending examination procedures: Fair Lending DIANE Publishing Company, 1996-12 Federal Fair Lending Laws, enacted in 1968 and 1974, prohibit discrimination in all forms of credit transactions, including consumer and business loans as well as mortgage loans. This report reviews federal efforts to strengthen enforcement of the fair lending laws, discusses the challenges federal regulators face in their efforts to detect discrimination and ensure compliance, and recommends actions to meet some of those challenges. Charts and tables. |
| fair lending examination procedures: Fee Appraisers , 1987 |
| fair lending examination procedures: Underwriting Manual United States. Federal Housing Administration, 1936 |
| fair lending examination procedures: NCUA Rules and Regulations United States. National Credit Union Administration, 1993 |
| fair lending examination procedures: International Convergence of Capital Measurement and Capital Standards , 2004 |
| fair lending examination procedures: Recordkeeping for Timely Deposit Insurance Determination (Us Federal Deposit Insurance Corporation Regulation) (Fdic) (2018 Edition) The Law The Law Library, 2018-09-22 Recordkeeping for Timely Deposit Insurance Determination (US Federal Deposit Insurance Corporation Regulation) (FDIC) (2018 Edition) The Law Library presents the complete text of the Recordkeeping for Timely Deposit Insurance Determination (US Federal Deposit Insurance Corporation Regulation) (FDIC) (2018 Edition). Updated as of May 29, 2018 The FDIC is adopting a final rule to facilitate prompt payment of FDIC-insured deposits when large insured depository institutions fail. The final rule requires each insured depository institution that has two million or more deposit accounts to (1) configure its information technology system to be capable of calculating the insured and uninsured amount in each deposit account by ownership right and capacity, which would be used by the FDIC to make deposit insurance determinations in the event of the institution's failure, and (2) maintain complete and accurate information needed by the FDIC to determine deposit insurance coverage with respect to each deposit account, except as otherwise provided. This book contains: - The complete text of the Recordkeeping for Timely Deposit Insurance Determination (US Federal Deposit Insurance Corporation Regulation) (FDIC) (2018 Edition) - A table of contents with the page number of each section |
| fair lending examination procedures: The Electronic Signatures in Global and National Commerce Act United States. Congress. House. Committee on Commerce. Subcommittee on Telecommunications, Trade, and Consumer Protection, 1999 |
| fair lending examination procedures: Consolidated Audit Guide for Audits of HUD Programs , 1991 |
| fair lending examination procedures: The Upside of Risk Michael Berman, 2021-07-08 The goal of risk management isn't to eliminate risk. It's to understand it. Strategic risk management isn't just about how, it's about why. In The Upside of Risk, author Michael Berman shows readers why risk management and strategic planning are inseparable. Building off research, historical examples, and the most current enterprise risk management framework, he shows why good risk management isn't about risk avoidance. It's about risk awareness, which empowers financial institutions to be prepared, protected, and positioned for opportunities. Underlining his message with lessons learned from the financial crisis and the COVID-19 pandemic, Berman coaches readers to critically and systematically evaluate the assumptions propelling the decision-making process. From governance and culture to risk assessments and setting measurable strategy goals and objectives, he demonstrates why the most successful financial institutions approach risk management with curiosity and an open mind, leveraging their discoveries to make smarter decisions that support long-term strategic goals. Thoughtful and accessible, The Upside of Risk weaves together risk management theory and practical advice to deliver actionable takeaways for transforming risk management into a strategic advantage. It's a must-read for anyone in the banking industry who cares about creating value and building resilient institutions. |
| fair lending examination procedures: Business and Commerce Code Texas, 1968 |
| fair lending examination procedures: FHA Single Family Housing Policy Handbook Brian Greul, 2021-06-18 The Doing Business with FHA section in this FHA Single Family Housing Policy Handbook (SF Handbook) covers Federal Housing Administration (FHA) approval and eligibility requirements for both Title I lenders and Title II Mortgagees, as well as other FHA program participants. The term Mortgagee is used throughout for all types of FHA approval (both Title II Mortgagees and Title I lenders) and the term Mortgage is used for all products (both Title II Mortgages and Title I loans), unless otherwise specified. |
| fair lending examination procedures: Financial Technology United States Government Accountability Office, 2017-12-25 FINANCIAL TECHNOLOGY: Information on Subsectors and Regulatory Oversight |
| fair lending examination procedures: Fair Lending Orice Williams Brown, 2010 The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) -- the fair lending laws -- prohibit discrimination in lending. Responsibility for their oversight is shared among three enforcement agencies -- HUD, the FTC, and Dept. of Justice -- and five depository institution regulators -- the FDIC, the Fed. Reserve, Nat. Credit Union Admin., Office of the Comptroller of the Currency, and the Office of Thrift Supervision. This report examines: (1) data used by agencies and the public to detect potential violations and options to enhance the data; (2) fed. oversight of lenders that are identified as at heightened risk of violating the fair lending laws; and (3) recent cases involving fair lending laws and associated enforcement challenges. Illus. |
| fair lending examination procedures: National Flood Insurance Program , 2022 |
| fair lending examination procedures: U.S. Bank National Association V. Clark , 2004 |
| fair lending examination procedures: Current and Future Bank Examination and Supervision Systems United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit, 1997 |
| fair lending examination procedures: Mortgage Lending, Racial Discrimination and Federal Policy John Goering, Ron Wienk, 2018-12-20 First published in 1997, this volume features a wealth of contributions discussing mortgage lending discrimination and the role of the FHA, fair lending enforcement and the Decatur case, along with the future of mortgage discrimination research. This key civil rights debate in the wake of the Fair Housing Act 25 years prior is evaluated and clarified through rigorous review of fair lending research, applied projects and enforcement activities to date. It argues forcefully that the right to take out a mortgage to buy a home should be conditioned only upon one’s credit worthiness and not on one’s race or ethnic group. |
| fair lending examination procedures: Upholding the Spirit of CRA United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Domestic Policy, 2009 |
| fair lending examination procedures: Fair Lending Enforcement and the Data on the 1992 Home Mortgage Disclosure Act (HMDA) United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 1994 |
| fair lending examination procedures: Credit Availability for Small Businesses, Real Estate, Housing, and Consumers United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Growth and Credit Formation, 1994 |
| fair lending examination procedures: Report of Operations United States. Office of the Comptroller of the Currency, 1980 |
| fair lending examination procedures: Annual Report - Comptroller of the Currency United States. Office of the Comptroller of the Currency, 1977 |
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