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Bookmark or Share- Fair Lending | OCCA 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: Interagency Statement on Special Purpose Credit ProgramsPlease contact Vonda Eanes, Director for Community Reinvestment Act and Fair Lending Policy, at (202) 649-5470. Grovetta N. Gardineer Senior Deputy Comptroller for Bank Supervision Policy. Related Link “Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B” (PDF)
- Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive ...engaging in lending, marketing, or other practices that may constitute UDAP or UDAAP. Examiners may use this booklet as well as the “Compliance Management Systems” booklet of the Comptroller’s Handbook when evaluating the effectiveness of the bank’s processes to identify, measure, monitor, and control UDAP and UDAAP risks.
- OCC Releases Bank Supervision Operating Plan for Fiscal Year 2024Fair lending; Climate-related financial risks; The OCC provides periodic updates about supervisory priorities, emerging risks, and horizontal risk assessments in the Semiannual Risk Perspective in the fall and spring. Related Link. Fiscal Year 2024 Bank Supervision Operating Plan (PDF)
- Comptroller's Handbook: Fair Lending | OCC - OCC.govOCC 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).
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