Use Data, Technology, and Analytics to Manage HMDA, CRA and Fair Lending Challenges, and Identify Market Opportunities

All Lenders are Not Alike.

Lending Patterns™

Suite of Products

Fair Lending Magic™

Suite of Products

HMDA Ready™

Suite of Products

CRA Check™

Suite of Products

ComplianceTech™ Suite of Products

For anyone who needs to understand Peer Analysis and Scoping using the national HMDA database to discover prohibited basis performance outliers/disparities in market penetration, redlining, underwriting, pricing and data quality.

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For those who need to take the deep dive into monitoring fair lending using statistics and matched pairs for every type of loan with advanced features to identify potential prohibited basis disparities.

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For all mortgage lenders who need to prepare an HMDA loan application register (LAR) intelligently for submission.

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For banks that need to prepare, submit or report a CRA loan application register (LAR) and manage CRA exams.

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For loan servicers looking for an automated tool to ensure fair and prevent disparate treatment in the loan loss mitigation process.

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For lenders who need to prepare, submit, and report Small Business Lending/1071 data.

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Fair Lending Consulting™

Fair Lending Consulting can be a smart alternative to manage your budget while building internal capacity. ComplianceTech has decades of experience in the finance industry, and a focus on fair lending risk management. If you are looking for a trusted advisor with expert knowledge and systems, ComplianceTech has what you need. ComplianceTech can help you assess your institution’s readiness for the Dodd-Frank: Section 1071 Rule on Small Business Data Collection and Reporting requirements.
Fair Lending Exam Preparation
The first time you become aware of a potential fair lending issue should not be during a compliance examination by your regulator.
Fair Lending Issues Risk Assessment
The Fair Lending Issues Risk Assessment is a process in which ComplianceTech senior analysts interview and survey the lender’s management and line staff in functional areas such as, production, processing, underwriting and servicing. Numerous penetrating questions are asked to identify operational policies, practices and processes that give rise to fair lending risk.
Data Needs Assessment
The Data Needs Risk Assessment should be the lender’s first step in addressing fair lending compliance risks. Before risk can be monitored, the lender needs to know it has the quantity and quality of data to conduct fair lending monitoring.

Features of FAIR LENDING MAGIC™

For those who need to take the deep dive into monitoring fair lending using statistics and more.

Redlining Risk

Statistically determine whether there is a difference in the market share in majority-minority versus majority-white census tracts, relative to the appropriate peer group.

Underwriting Risk

Rule out statistically significant differences in approval/denial by race, ethnicity, gender, and age, then confirm whether the disparity is explained by differences in qualifications.

Pricing Risk

Understand statistically significant differences in pricing by prohibited basis groups as explained by rate sheet pricing adjustment factors.

CRA-Fair Lending Risk

Incorporates the analysis of bank redlining litigation. Analyze fair lending inside and outside CRA Assessment Areas.

Steering Risk

Confirm that the data do not show a pattern of placing customers into less desirable products on a prohibited basis when they qualified for a better product.

Robust Peer Analysis

Incorporate custom peer groups based on various business models created in LendingPatterns™.

Resources

Small business lending collection and reporting requirements.

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Experience our innovative solutions firsthand by requesting a demo today and unlock the potential for transformative outcomes in your business.

Features And Benefits of LendingPatterns™

Getting Started

  • No software to install
  • No hidden server cost
  • Register online and get started with HMDA/fair lending analysis the same day
  • No multi-year contract obligation
  • FFIEC Guidelines and Exam Prep
  • Borrower characteristic
  • Charts and Maps
  • Marketing Risk Factors
  • Lender Overview
  • Assessment of Fair Housing
  • Application characteristics
  • Parent company risk analysis
  • Custom peer group
  • Interactive charts
  • Market Analysis
  • Lending performance benchmarks
  • Market intelligence

Data Analytics

  • Monitor lending performance inside and outside of Assessment Areas
  • ‘Robust peer selection tool’ defines similarly-situated lenders by business model metrics
  • Gauge compliance performance with built-in FFIEC examiner redlining risk factors
  • Custom geography
  • Performance outliers
  • Evidence-based assessments
  • Historical data
  • Area demographics
  • Redlining risk factors
  • Production opportunities
  • Drill-down ability
  • Robust peer selection
  • Underwriting risk factors
  • Pricing risk factors
  • GSE goals
  • Custom reporting

Community Management

  • Frequent workshops offered through free online training with live instruction
  • All maintenance included in annual license fee
  • Disparity analysis
  • Historical data
  • HMDA tables
  • Lender risk analysis
  • Spread profile
  • LAR count
  • Fair Lending Scoping
  • Disparity analysis
  • Community Reinvestment Act analysis
  • Ethnicity disparity profile
  • Gender disparity profile

Get AI-powered analytics with Compliance Technologies latest product release.

New in 24.1: Compliance Technologies, Amazon Marketplace availability, and Viz Navigation for Text Table.

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