Fair and Responsible Banking

Asurity Advisors experts utilize a variety of tools to help financial institutions meet their fair and responsible banking obligations to treat consumers and communities fairly and equitably.

We have expertise in statistical analysis, matched pair testing, policy and procedure reviews, and fair lending and redlining risk reviews. Our team of experts have advised numerous clients of all sizes on fair lending requirements, best practices, and more. Whether you are trying to analyze your institution’s performance in HMDA, indirect auto, or other consumer and commercial lending, we can assist you in this process. We provide practical advice to help you identify areas of risk that can support defensible decision making.

  • Statistical Analysis, Including Regression and Proxy Capabilities
  • File Reviews and Matched Pair Testing
  • Fair Lending and Redlining Risk Reviews
  • UDAAP and Sales Practices
  • Regulatory Exam and Remediation Support
  • Third Party Fair Lending Risk Management
  • Credit Policy Reviews

Delivering Value: We conduct robust fair lending analyses and reviews and provide practical advice for next steps:

 

  • Providing executive reports, maps, and graphics that enable financial institutions to better identify and serve underserved and at-risk populations
  • Sharing practical, expert advisory on fair lending risk management, performance context, and enhancement opportunities  
  • Supporting strategic growth plans through opportunity identification and risk mitigation
Representative Case Studies
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