As a lending institution, you face increasing regulatory scrutiny and enforcementactions related to fair and responsible lending. You need to ensure that your lending practices are fair, transparent, and compliant with the laws and regulations that protect consumers from discrimination and unfair treatment. You also need to understand and respond to the credit needs of the communities you serve.

At CCG Catalyst, we offer comprehensive consulting solutions and internal audit services to help you develop, implement, and monitor an effective fair lending program that aligns with your business profile and risk appetite. We have the expertise, tools, and experience to assist you with every aspect of fair lending risk management, from program development and review to data integrity and analysis, to remediation and training.

• Fair Lending Program Development: We help you design and document a fair lending program that covers the entire lending lifecycle, from loan application to servicing. We help you establish policies, procedures, and controls that define and limit your fair lending risk exposure and ensure compliance with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act (FHA), and other applicable laws and regulations.
• Fair Lending Program Review/Audit: We conduct an independent and objective assessment of your existing fair lending program, including your governance structure, risk assessment process, monitoring and testing activities, reporting and escalation mechanisms, and corrective action plans. We identify any gaps, weaknesses, or areas of improvement, and provide you with practical recommendations and best practices.
• Fair Lending Statistical Performance Analysis: We perform statistical analysis and comparative file review to measure and evaluate your fair lending performance and outcomes. We use sophisticated analytical techniques and tools to detect and quantify any potential disparities or indicators of discrimination in your underwriting, pricing, steering, and redlining practices. We also conduct peer analysis to benchmark your performance against your competitors and peers.
• Fair Lending Community Credit Needs Assessment: We help you understand and address the credit needs and opportunities of the communities within your market areas. We analyze demographic, economic, and social data, as well as your lending activity and performance, to identify any gaps or areas of improvement in your community outreach and development efforts. We will also help you enhance your Community Reinvestment Act (CRA) performance and reputation.
• Fair Lending Remediation and Issue Resolution: We assist you with resolving any fair lending issues or findings that arise from internal or external audits, examinations, or complaints. We help you design and implement effective remediation plans that address the root causes of the issues and prevent their recurrence. We also help you communicate and negotiate with regulators, customers, and other stakeholders, and manage any potential litigation or enforcement actions.
• Fair Lending Training: We provide customized and interactive training programs to educate and raise awareness among your board, management, and staff on fair lending laws, regulations, and best practices. We tailor our training content and delivery to your specific needs and objectives and use real-life examples and scenarios to enhance learning and engagement.