We recently went through both S&S with FDIC and a compliance exam with FDIC. Fair Lending was looked at hard, and have significantly increased indirect lending, without a problem. Consistency in your buy rates is key, and having a cap on dealer's of 2% over (that's what we use, others are different). It keeps you out of hot water (or at least us it did). I do understand however that different exam teams are different, that's some of the fun (sarcasm).