Treliant’s Fair & Responsible Banking team consists of former bankers and regulators.

Our highly experienced team is uniquely positioned to guide and partner on any fair and responsible banking, CRA, or HMDA challenge. We offer analytical, advisory, assessment, and assurance services. We can help you proactively strengthen fair lending, fair housing, Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMDA), and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) programs; prepare for compliance examinations; and resolve regulatory concerns.

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95+

Unique Clients

225+

Engagements
A global financial institution avoids compliance risk by partnering with Treliant.

Redlining Reviews for Nationwide Lender

Treliant performed fair lending statistical analytics for a nationwide lender to identify target markets, peer groups, and potential redlining risk related to its Home Mortgage Disclosure Act Loan Application Register (HMDA-LAR) portfolio. We subsequently performed a market penetration review on the target markets, analyzing unique data sets (e.g., third-party channels and marketing data) to identify opportunities for increasing mortgage lending activities in majority-minority areas in each target market.

 

We know fair and responsible banking, regulatory expectations, and the supervision and enforcement environments.

Our subject matter experts have:

  • Implemented or evaluated fair and responsible banking programs at a wide range of financial services companies, e.g., community banks, large banks, FinTech companies, mortgage companies)
  • Performed independent regression analyses, redlining reviews, and model validation services, often in partnership with law firms, for all types of loan portfolios, e.g., mortgage, indirect auto, small business, credit cards, and other consumer loans and lines of credit
  • Prepared compliance teams for fair lending and CRA examinations, assisted with written responses on regulatory matters, and implemented corrective actions
  • Conducted fair lending comparative file reviews

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Treliant works closely with its clients to understand their needs and design an appropriate work plan and approach to each engagement. Learn more when you connect with our team.