Fair Lending Overview (FHA, ECOA, HMDA, CRA, FCRA)       




This course is intended to provide you with an understanding of the basic concepts regarding Fair Lending.


1.5 Hour(s)


  • Appreciate the underlying purposes of the laws that comprise Fair Lending.
  • Understand the application of the Fair Housing Act and the discriminatory practices it prohibits.
  • Understand the application of the ECOA and the discriminatory practices it prohibits.
  • Understand all aspects of the loan application process governed by the ECOA.
  • Be aware of the requirements of HMDA reporting and the data your institution is responsible to collect.
  • Gain a general understanding of your financial institution's obligations under the CRA.
  • Understand the restrictions of requesting and using consumer credit information under the Fair Credit Reporting Act.
  • Gain a specific understanding of the various types of loans, and the Fair Lending practices that apply to each.

     01B3R4.1

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