Senior Director, Compliance and Fair Lending
Paul Lubin’s experience in fair lending and market research spans more than 20 years. He owned and operated one of the leading financial services market research firms in the country, Barry Leeds & Associates. Paul developed many of the programs used today to detect discrimination and unfair sales practices, including matched pair testing, triad and sandwich testing, monadic testing and post application consumer surveys. Since the early 1990’s Paul has designed and managed hundreds of self testing programs. He has helped lenders facing allegations of discrimination and unfair sales practices and developed self testing programs for financial institutions required by DOJ consent order and regulator consent decree.
In the mid-1990’s he wrote a book for Freddie Mac, Fair Lending: An Introduction to Self-Evaluation. In 2007, he presented and published a paper for the Harvard Joint Center for Housing Understanding Consumer Credit Symposium, Fair Lending Testing: Best Practices, Trends and Training. The paper is cited by regulators as a reference for methods used to measure discrimination and compliance by financial institutions. In 2009, he wrote and presented a paper for the American Marketing Association Public Policy Conference, Market Research for Detecting and Eliminating Racial Profiling in Consumer Lending. In 2010, he authored a book Protecting Main Street: Measuring the Customer Experience in Financial Services for Business and Public Policy. The book has been purchased and reviewed by regulatory agencies. Paul has also authored articles which have appeared in ABA Bank Compliance and the American Banker and has spoken at financial industry conferences on the topic of fair lending testing.
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