Course Description

This training provides a comprehensive overview of Fair Lending laws and how they apply specifically to high-risk businesses and customer segments. Discrimination in lending—whether overt, disparate treatment, or disparate impact—can lead to serious regulatory scrutiny and reputational harm.

This session will help participants recognize where fair lending risks commonly arise when working with high-risk entities, such as cash-intensive businesses, fintech partnerships, and customers operating in industries with elevated compliance expectations.

Through regulatory guidance, real-world scenarios, and actionable strategies, participants will gain the tools needed to detect potential issues, apply consistent standards, and document decisions to support fair outcomes. This is essential for institutions aiming to ensure equitable treatment while effectively managing risk.

Agenda

• Overview of Fair Lending laws and key regulatory expectations

• Identifying high-risk businesses and understanding elevated fair lending risk

• Common pitfalls: disparate treatment, impact, and redlining risks

• Strategies for consistent application of credit policies and procedures

• Monitoring, documentation, and training to support a compliant fair lending program
  

Instructor: Justin Muscolino