Fair Lending Review Services

Strengthen your fair lending compliance program
with expert reviews and risk assessments.

Fair lending laws are designed to promote fair and equitable access to credit for all borrowers. Financial institutions must demonstrate compliance with federal lending rules, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA), which prohibit discrimination based on race, color, national origin, religion, sex, marital status, age, or other protected characteristics.

For financial institutions, independent fair lending compliance reviews are a critical component of a Fair Lending Program. At Young & Associates, our experienced consultants conduct comprehensive fair lending reviews to help financial institutions uncover potential gaps or inconsistencies in their lending practices. Our fair lending reviews highlight patterns that may indicate increased fair lending risk. We provide clear guidance to help your institution meet regulatory fair lending expectations.

Is your institution confident in its fair lending compliance? Our experienced team of consultants delivers analysis and guidance tailored to your institution’s size and complexity, ensuring adherence to all applicable fair lending regulations.

Speak with a fair lending expert

Expert reviews to assess and enhance fair lending compliance

Modeled on Regulatory Expectations

Fair lending reviews aligned with federal expectations under ECOA, FHA, and related fair lending rules.

Customized to Your Institution

Tailored services that reflect your size, product mix, markets, and organizational complexity.

Risk‑Based, Tailored Scope

Comprehensive reviews designed around your institution’s unique risk profile and current regulatory expectations.

Actionable Compliance Recommendations

Clear, prioritized recommendations that strengthen your fair lending compliance program.

A proven fair lending review process

We don’t just find problems — we deliver solutions to correct them.

Each fair lending engagement is tailored to your institution’s size and complexity and may include:

	Review of fair lending policy and procedures
	Review of training materials
	Advertising review
	Consumer complaints
	Adverse action review
	Consumer loan pricing review
	Policy exception review
	Commercial loan spousal signature review
	Matched pair review/comparative analysis

Through our fair lending review, we will help your financial institution manage its fair lending risk. We will meet with your team to discuss the results of the review. Additionally, we will provide a written report upon completion of the review.

Contact an expert

Why partner with Y&A for fair lending reviews

Robust expertise

Decades of experience helping community financial institutions comply with ECOA, FHA, and other fair lending rules.
Trusted perspective

Independent fair lending review that your board and regulators can rely on.
Tailored to your risk profile

Customizable scope and analysis aligned with your fair lending goals.
Clear solutions

Practical recommendations that strengthen your fair lending compliance program.

Avoid fair lending gaps

By partnering with Young & Associates, your institution can strengthen fair lending compliance and reduce regulatory risk. Our regulatory compliance experts draw on years of banking experience to provide practical, targeted support that helps protect your institution’s long‑term success.

Contact us today to schedule a fair lending review and address potential risks before your next regulatory examination.