In this episode of The Compliance 911, Len Suzio of GeoDataVision and Dean Stockford of M&M Consulting discuss why disparate impact analysis remains an important tool for identifying and managing fair lending and redlining risks, despite recent regulatory changes. They explore the role of statistical significance in detecting potential discrimination, the importance of evaluating lending practices and peer group comparisons, and how hidden market factors can distort redlining assessments. Through real-world examples, they examine strategies for investigating statistically significant findings, including reviewing loan products, pricing, multifamily lending, and affordable housing activity. They also highlight the importance of defining a realistic Reasonably Expected Market Area (REMA) and explain how financial institutions can use statistical analysis proactively to strengthen compliance efforts and prepare for future regulatory examinations. Brought to you by GeoDataVision and M&M Consulting

In this episode of The Compliance 911, Len Suzio of GeoDataVision and Dean Stockford of M&M Consulting discuss the latest changes to the CFPB’s Section 1071 Small Business Lending Rule and what they mean for financial institutions. They examine the significant narrowing of reporting requirements, including higher loan origination thresholds, a reduced small business revenue limit, exemptions for certain loan types, and streamlined demographic data collection. They also explore the new January 1, 2028 compliance deadline, the potential reduction in regulatory burden for community lenders, and the key steps institutions should take to determine whether they remain subject to the rule and prepare for implementation. Brought to you by GeoDataVision and M&M Consulting

Hosts Len Suzio interviews Josh Silver of the National Community Reinvestment Coalition about his book Ending Redlining Through a Community-Centered Reform of the Community Reinvestment Act. They discuss the historical roots of redlining, how the CRA can promote fair lending, and the need to center community input in regulatory exams.

The episode covers practical topics for compliance professionals: disparate impact analysis, performance context, gentrification, assessment area challenges, and how documented community outreach and partnerships can improve CRA outcomes and reduce the risk of enforcement.

Get the book here: Ending Redlining by Josh Silver

Brought to you by GeoDataVision and M&M Consulting