Related Service: Fair & Responsible Banking

Fair Lending Analytics and Advisory Services

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Home Mortgage Disclosure Act Compliance

Asurity analyzed a mortgage lender’s HMDA data for underwriting, pricing, and redlining risks, conducted matched-pair file reviews, provided staff training, and delivered executive reporting to support fair lending compliance.

Fair Lending Gap Analysis and Redlining Analytics

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Case Study CRA - HMDA Support

A regional bank partnered with Asurity to assess fair lending program gaps, perform OCC-style redlining analytics using HMDA data, identify risk drivers, and strengthen performance ahead of a regulatory exam.

HMDA Scrub and Training

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Case Study HMDA Sample Scrub

A community bank used Asurity’s HMDA scrub and staff training to verify data accuracy, correct reporting errors, reduce operational burden, and enhance compliance effectiveness for its annual HMDA submission.

Mock Exam: Collections Acts and Practices

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Staff Augmentation_ Fair Lending Analytics and Comparative File Review

A digital bank used an FDCPA mock exam to identify debt collection risks, strengthen controls, improve oversight, and proactively prepare for regulatory scrutiny across its auto-loan servicing portfolio.

Fair Lending Mock Exam: Indirect Auto Lending

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A mock fair lending exam helped a digital bank assess indirect auto lending practices, mitigate dealer-driven pricing risks, strengthen ECOA controls, and prepare confidently for regulatory review.

Fair Lending Analysis of HMDA Reportable Data

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Fair Lending Review Fair Lending Analysis of HMDA Reportable Data

Asurity analyzed HMDA-reportable underwriting, pricing, and fallout outcomes using regression and statistical testing, identified prohibited-basis disparities, completed comparative file reviews, and supported stronger ECOA and FHA compliance.

Fair Lending Program Assessment and Compliance Advisory

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Asurity Advisors - Risk and Regulatory Solutions_ Fair Lending Program Assessment and Compliance Advisory

Fair and Responsible Banking practices continue to be a chief area of concern for prudential supervision stakeholders and enforcement agencies. Financial institutions’ respective Boards of Directors (“Boards”) and senior executive