Fair Lending Performance & Program Review

Fair lending expectations continue to intensify. Regulators are applying increased scrutiny to governance, monitoring practices, data analysis, redlining indicators, and consumer outcomes. TCA’s Fair Lending Performance & Program Review provides institutions with an objective assessment of program maturity, risk exposure, and alignment with current agency expectations.

We help you objectively assess the maturity, effectiveness, and regulatory alignment of your fair lending and CRA programs to uncover risk, strengthen controls, and prepare for heightened examiner scrutiny.

What Our Review Covers

TCA evaluates both quantitative and qualitative elements, including:

• Governance & oversight structures
• Policy and procedure alignment
• Monitoring & testing frameworks
• Complaint and exception management
• Marketing and outreach practices
• Branch distribution & service delivery channels
• Training programs and role-specific accountability

Data-Driven Comparative Analysis

TCA conducts comparative analysis using:

• Peer and census demographics
• Lending penetration & redlining indicators
• Pricing and underwriting metrics
• Application and denial patterns
• Market and assessment area delineation

Our methodology mirrors regulatory expectations, helping institutions surface and resolve disparities before an exam.

Actionable Reporting

Our analysis includes:

• Clear narrative summaries
• Identified risk indicators
• Recommended mitigations
• Program enhancement opportunity suggestions
• Regulatory alignment considerations
• Mapping to visually support lending efforts

Reporting meets examiner expectations and improves examiner dialogue by demonstrating a proactive posture.

The TCA Difference

TCA brings insight into how agencies interpret data, how risk is weighted, and where institutions are most likely to encounter supervisory scrutiny.