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Regulatory Environment for Fair Lending

Regulatory Environment for Fair Lending

At M & M Consulting’s most recent compliance school, our President/CEO spoke at length about the regulatory environment for Fair Lending and specifically redlining risk. The announcement from Department of Justice is further evidence of stepped up enforcement....

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2022 CRA NPR: A 5‐Alarm Fire in the Making for Banks

2022 CRA NPR: A 5‐Alarm Fire in the Making for Banks

Dear Banker, Readers and reviewers of the 2022 joint CRA NPR issued by the bank regulators on May 5 may be overwhelmed by the long (679 pages) and complex proposed rule-making document. Just trying to grasp the proposal is a daunting task. For sure, the NPR does...

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Climate Risk

Climate Risk

Overview  Climate change poses serious and systemic risks to the U.S. economy and financial system. Financial institutions play a critical role in our economy. They are the front line in managing all financial risks, including those posed by climate change. With the...

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Overdraft Fees

Overdraft Fees

In the headlines! While perhaps overshadowed by more pressing current events, overdraft fees have had their fair share of press lately.  They are a hot topic on the minds of regulators, consumers, and financial institutions.  So, what is happening to bring this...

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