Margaret Dolinger

Fair Lending

Meet your Community’s Credit Needs for Fair Lending – Utilizing Regulation B’s Special Purpose Credit Program

Compliance IQ / By Margaret Dolinger

“What are you doing to ensure diversity, equity and inclusion (DEI)?” That question routinely comes up during conference calls among us, clients, and regulatory agencies. Businesses, educational institutions, and non-profit organizations all are focusing on DEI. Financial institutions are no exception. In fact, regulatory agencies emphasize the importance of DEI in written communications about the Fair …

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home keyring in keyhole

No Longer A HMDA Reporter – Fair Lending Still Applies

Compliance IQ / By Margaret Dolinger

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community reinvestment act

OCC Banks: Have You Hung Up Your New CRA Lobby Notice Yet?

Special Release / By David Mulkerin, Margaret Dolinger

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community reinvestment act

Three Hot CRA Concerns

Compliance IQ / By Margaret Dolinger

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mortgage symbol

Loan Servicing & Loss Mitigation Are Fair Lending Risks Too!

Fair Lending/CRA, In Depth / By Margaret Dolinger

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covid-19

Do These Activities Qualify for CRA Credits?

Fair Lending/CRA, In Depth / By Margaret Dolinger

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pointing to signature line

Fair Lending – The Latest

In Depth / By Margaret Dolinger

Regardless of bank size, complexity or risk profile, there is a universal myth when it comes to Fair Lending that there has been less enforcement since 2016. The truth is that Fair lending is one of the top enforcement rules. TCA recently attended a Fair Lending conference that included a regulatory panel discussion focusing on …

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hand touching regulation on computer screen

New MSA Codes, 2019 Demographic Changes and 2018 HMDA Aggregate Data

Special Delivery / By Margaret Dolinger

We’ve received a lot of inquiries on what happened with the 2019 MSA codes: When will the pending 2019 demographic information changes be released? Has the 2018 HMDA Aggregate Data been announced? This “Special Delivery” will provide the most current information available to these questions. New MSA Codes Confusion In April 2018, OMB Bulletin No. …

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couple shaking hands with lender

Fair Lending and Marketing in the Digital Age

In Depth / By Margaret Dolinger

There’s an old saying, “You don’t know what you don’t know” and that is certainly true when it comes to marketing initiatives meshing with the world of fair lending. The clash of both worlds and the often-divergent priorities have caused regulators to put this intersection under a microscope. A key fact today is that marketing …

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conference speaker

Submit Comments to CRA Modernization Initiative

Special Release / By Margaret Dolinger

Several staff members of Thomas Compliance Associates (TCA) attended the recent CRA & Fair Lending Colloquium and obtained valuable information from the sessions. One theme that stood out and presenters stressed was that bankers can help shape the re-write of the Community Reinvestment Act (CRA) regulation. The Office of the Comptroller of the Currency (OCC) …

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chicagoland compliance association