If you look at the CRA Public Evaluations, there is a comment on Fair Lending in every one! Lucky you did not get downgraded.
Last edited by Rocky P; 05/16/22 04:48 PM. Reason: added comment
A fair lending examination is usually done concurrently with CRA. While CRA looks at LMI reacts and individuals, the ECOA/FHAct part looks for redlining and differences in treatment on a prohibited basis (majority-minority tracts rather than income).
Integrity. With it, nothing else matters. Without it, nothing else matters.