Fair Lending | OCC
Dec 3, 2024 · A policy that results in a disparate impact on a prohibited basis and is not legally justified violates fair lending laws and regulations. Evidence of discriminatory intent is not necessary to establish that a bank’s adoption or implementation of a policy or practice that has a disparate impact violates ECOA or the FH Act. Disparate Treatment
“Fair Lending,” is prepared for use by OCC examiners in connection with their examination and supervision of national banks, federal savings associations, and federal branches and agencies of foreign banking organizations (collectively, banks).
OCC Issues Revisions to Fair Lending Booklet | OCC - Office of the ...
Jan 12, 2023 · “The OCC’s revised ‘Fair Lending’ booklet is an important tool to promote equal access to credit for all consumers. It frames our supervisory approach applicable to each OCC-supervised bank that engages in lending, and provides additional guidance for examiners in this critically important area.”
Fair Lending: Revised Comptroller’s Handbook Booklet and …
Jan 12, 2023 · The Office of the Comptroller of the Currency (OCC) today issued version 1.0 of the “Fair Lending” booklet of the Comptroller’s Handbook. This booklet provides information and examination procedures to assist OCC examiners in assessing fair lending risk and evaluating compliance with the Fair Housing Act, Equal Credit Opportunity Act, and ...
Fair Lending Section 1201 Office of Thrift Supervision August 2009 Examination Handbook 1201.1 Fair Lending . This overview provides a basic and abbreviated discussion of federal fair lending laws and regulations. It is adapted from the Interagency Policy Statement on Fair Lending issued in March 1994. 1.
Appeal of Fair Lending Violations of Law (Second Quarter 2024)
Banking Circular 263 (PDF), "National Bank Fair Lending Efforts" "Identifying Lender Practices That May Form the Basis of a Pattern or Practice Referral to the Department of Justice" (PDF) (1996) "Interagency Fair Lending Examination Procedures" (PDF) (August 2009) "Policy Statement on Discrimination in Lending" (April 15, 1994) Conclusions
for comprehensive fair lending examinations. During each supervisory cycle, examiners perform a fair lending risk assessment in each national bank. Based on the risk assessment, examiners may initiate full scope fair lending examinations or other appropriate supervisory activities to ensure compliance with fair lending laws and regulations.
Comptroller's Handbook: Fair Lending | OCC - OCC.gov
OCC Bulletin 2023-2, Fair Lending: Revised Comptroller’s Handbook Booklet and Rescissions Overview This booklet focuses on compliance with the Fair Housing Act, Equal Credit Opportunity Act, and Regulation B (the consumer protection regulation that implements the Equal Credit Opportunity Act).
OTS Examination Handbook: Fair Lending | OCC
Replaced 4 by Comptroller's Handbook - Fair Lending: EH 1201q: 08/2009: Questionnaire: 11/20/2013: Duplicative 2 of Comptroller's Handbook - Fair Lending: EH 1201aa: 08/2009: Appendix A: Fair Lending: 11/20/2013: Replaced 4 by Comptroller's Handbook - Fair Lending: EH 1205: 11/2008: Equal Credit Opportunity Act: 11/20/2013: Replaced 4 by ...
Appeal of Fair Lending Referral (First Quarter 2024) | OCC
Jan 17, 1994 · 1 15 USC 1691e(g), (k); Executive Order No. 12892, “Leadership and Coordination of Fair Housing in Federal Programs: Affirmatively Furthering Fair Housing,” January 17, 1994, at section 2-204 states the OCC shall notify the HUD “[u]pon receipt of information . . . suggesting a violation” of the FH Act, and such facts or information shall be …