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Former fair-lending prosecutor looks at the new HMDA

机译:前公平贷款检察官关注新的HMDA

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Fifteen years ago, lenders whose federal loan data seemed to indicate that they weren't treating minority borrowers just as they treated white borrowers in the credit evaluation process were accused of redlining. "If it's not redlining, prove it," was the gauntlet thrown down then, said a prime mover of the federal cases of that era. Now, with the latest federal monitoring data also including certain loan pricing information, the gauntlet has become, "If it's not pricing discrimination, prove it!" said attorney Paul F. Hancock at ABA's recent Regulatory Compliance Conference.
机译:15年前,贷方的联邦贷款数据似乎表明,他们没有像对待信用评估程序中的白人借款人那样对待少数借款人,他们被指控进行了重新编排。那个时代的联邦案件的主要推动者说:“如果不重新批准,那就证明这一点。”现在,借助最新的联邦监控数据(其中还包括某些贷款定价信息),这一标准变成:“如果不是定价歧视,那就证明它!”律师保罗·汉考克(Paul F. Hancock)在ABA最近的监管合规会议上说。

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