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Fair Lending & Data Analytics Services

Navigate evolving fair lending expectations with clarity and confidence. Our team brings sharp analysis, practical insight, and a commitment to your success.

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Proactive Fair Lending Support Built for Today’s Regulatory Climate

Fair lending expectations continue to evolve, with regulators and stakeholders emphasizing transparency, data integrity, and equitable access to credit. Financial institutions and lenders must remain vigilant, as scrutiny can come from federal and state regulators, the Department of Defense and community organizations.

Saltmarsh helps financial institutions and lenders meet these demands with confidence. Our team brings deep regulatory knowledge, real-world fair lending experience, and a hands-on approach that prioritizes responsiveness and results. Whether you're preparing for an exam, responding to a finding, or building a stronger compliance framework, we deliver fast, focused support that makes a measurable impact.

A Practical, Hands-On Approach Rooted in Real Experience

Saltmarsh takes a practical approach to fair lending. Our guidance is grounded in data, shaped by regulatory expectations, and informed by real-world operations. Many of our team members are former bankers who understand the realities of running a compliance program, not just reviewing one.

Every engagement is tailored to your institution’s size, risk profile, and regulatory history. And because our team specializes in specific service areas, from redlining analysis to regression modeling, you work directly with professionals who know your challenges inside and out.

Above all, we’re committed to being responsive, accurate, and easy to work with. Clients trust us not only to help them meet fair lending requirements but also to uncover insights that drive better decisions and reduce long-term risk.

 

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Advisory, Training, and Coaching
 

 

Our Fair Lending Services

We support financial institutions at every stage of the fair lending lifecycle: whether you're building a program from the ground up, enhancing existing processes, or preparing for regulatory review. Our services include:

Fair Lending Risk Assessments and Program Reviews

Evaluate your institution’s fair lending compliance management program, risk exposure and identify areas for proactive mitigation.

Redlining and Peer Analysis

Assess market coverage and potential geographic disparities using HMDA and other data. Compare HMDA activity to peer lenders for each market.

Regression Modeling & Statistical Reviews

Analyze pricing, underwriting, and denial patterns to uncover potential disparities across protected classes.

Comparative File Reviews

Test for fair treatment across similarly situated applicants with side-by-side loan file comparisons.

Assessment Area and REMA Analysis

Evaluate your Assessment Area and Reasonably Expected Market Area (REMA) to meet examiner expectations.

Board and Staff Training

Build institutional awareness with customized training sessions for executives, lenders, compliance teams and other applicable staff.

Exam & Regulatory Response Support

Prepare for exams, address findings, and respond to regulator inquiries with speed and clarity.

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People and Practices. The team is well trained, knowledgeable, experienced, accessible, and demonstraates good communication skills. Fieldwork, deliverables and presentations are first class. Our team at the bank always has good dialogue with Saltmarsh, and we learn something with each engagement.
Piedmont Federal Savings Bank NC

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Get the Most Recent Updates at a Glance

Recent & Upcoming Regulatory Compliance Changes – Quarterly Update

This document includes concise summaries of the most material developments over the past quarter. It’s ideal for those who need a quick, focused view of what’s changed since the last report.

What’s inside:

  • Key updates from CFPB, OCC, FDIC, FRB, and HUD
  • Effective dates and impact levels
  • Hyperlinked citations to original rules
  • Summaries of rescinded, vacated, or delayed provisions

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Turning Data Into Insight

At Saltmarsh, data analytics isn’t a side offering; it’s embedded into everything we do. We help institutions move beyond raw numbers to uncover patterns, monitor trends, and make smarter decisions about fair lending risk.

From designing dashboards that track key indicators to conducting deep statistical analysis of pricing and denial rates, our team brings the tools and expertise to make your data actionable. We tailor every analysis to your institution’s specific risk profile and reporting structure—so you're not just compliant, you're informed.

Whether you need help interpreting loan data, identifying outliers, or visualizing your market coverage, we bring clarity to the process and insight to your team.

Meet the Team

Get to know the people behind our fair lending and data analytics work. Our team includes former bankers and dedicated specialists who live and breathe this space. With deep technical knowledge, real operational insight, and a client-first mindset, they’re here to deliver the answers, and the service, you need.

Stogniew, Kristen-1

Kristen Stogniew, Esq., CFE

Shareholder

Kristen is a shareholder and leader of Saltmarsh’s Financial Institution Consulting practice, with over 25 years of experience advising banks, credit unions, and fintechs on legal, operational, and compliance matters. She also provides tailored training and mentorship, and facilitates user groups across key systems and risk areas.

Faust, Lorraine

Lorraine Faust, CRCM

Director of Fair Lending

With 30+ years of industry experience, Lorraine brings a practical approach to regulatory change, fair lending, CRA, product reviews, M&A due diligence, and risk assessments. She has supported institutions through exams by the FDIC, FRB, and CFPB.

Cruz, Lucy

Lucy Cruz

Senior Consultant

Lucy is a senior consultant specializing in fair lending risk reviews, CRA, as well as deposit and loan compliance. Her background in community banking includes roles in customer service, accounting, loan servicing, deposit operations, and risk management.

Let’s Talk

Whether you need a second opinion, a fresh analysis, or full-scale support, we’re ready to help. Reach out to start a conversation with one of our fair lending specialists today.

 

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Stay Up To Date with the Financial Institution Industry

Join our email list for banks or credit unions to receive quarterly insights and information on upcoming events from our team of experts to help you succeed in this ever-changing environment.

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