Steven Houchens

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Fair Lending Hot Topics

Fair lending continues to be a hot topic for all lending institutions. Understand the fair lending risk factors that the regulators are focusing on such as redlining, disparate impact, fair lending monitoring, pricing exceptions, underwriting exceptions, and marketing. Know the importance of understanding your lending pattern analyses along with peer comparison along with upward reporting …

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Understanding REMA

A common acronym being discussed more and more in fair lending circles is REMA. The goal of this article is to establish a better understanding of what REMA is and how it can impact your bank. REMA is defined as the Reasonable Expected Market Area, which is the geographical area the regulatory agency believes a …

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