Overview
Fair lending principles are embraced by CBA members. Regulatory enforcement, however, is an increasingly complex area of compliance, and has become even more challenging with the intense search at the state and federal levels for 'predatory lending' practices. CBA has provided a leadership voice in Washington for the banking industry. Through the Fair Lending Committee, composed of lawyers and fair lending specialists at banks nationwide, CBA has stayed on the cutting edge and kept the industry informed of the latest in fair lending activity. A special task force on predatory lending issues has met regularly. To encourage self-evaluation, CBA helped establish a privilege for self-testing for fair lending compliance. The Committee has also guided CBA in responding to new fair lending guidelines and protecting banks from unnecessary small business data collection. Through our annual Fair Lending Conference, we offer the expertise and experience of the leading bankers, regulators and consultants in the field. The 2009 Fair Lending Conference will be held October 19 - 20, 2009 at the Omni Shoreham, Washington, DC. Fair Lending Committee Members
Resources
Home Mortgage Disclosure Act Information Page
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News
- February 8, 2010 — CBA Launches "CBA SmartBrief," daily news updates for the retail banking industry — PDF format
- October 19, 2009 — Fair Lending: - The Fed’s director of the division of consumer and community affairs said fair lending was “one component of consumer protection,” during CBA’s Fair Lending Conference, BNA Banking Daily reports.
- February 11, 2009 — Letter to HUD Seeking Moratorium on RESPA Rule — PDF format, 36KB
- August 29, 2008 — Home Mortgage Disclosure Act — PDF format, 168KB
- July 14, 2008 — CBA Statement on the Fed’s Final HOEPA Rules
- November 5, 2007 — CBA Comment to the OTS re Advance Notice of Proposed Rulemaking; Unfair or Deceptive Acts or Practices; 12 CFR, Part 535 — PDF format, 41KB
- November 5, 2007 — Federal Reserve Board Governor Randall S. Kroszner speaks at CBA Fair Lending Conference on The Challenges Facing Subprime Mortgage Borrowers
- September 27, 2007 — Federal Reserve Releases HMDA Analysis and Credit Scores Report — PDF format, 36KB
- September 12, 2007 — Federal Reserve Board Report to the Congress on Credit Scoring and its Effects on the Availability and Affordability of Credit — PDF format, 2KB
- May 29, 2007 — Joint Trade Association Statement on Responsible Subprime Lending Principles — PDF format, 82KB
- September 10, 2005 — FRB analysis of 2004 HMDA data, "New Information Reported under HMDA and Its Application in Fair Lending Enforcement," — PDF format, 304KB
- September 1, 2005 — Home Mortgage Disclosure Act Information Page
- February 2, 2005 — OCC Issues Predatory Practice Guidelines — PDF format, 104KB
- May 24, 2004 — Justice Settles "Redlining" Suit Against Old Kent Bank — PDF format, 92KB
- May 10, 2004 — CBA Comment letter on HMDA revised format — PDF format, 100KB
- April 9, 2003 — CBA Comments on HMDA Transition Rule — PDF format, 444KB
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