Features a proactive and educational outline for understanding mortgage discrimination risk.  Clear and concise descriptions about modern-day redlining, disparate impact, appraisal equality, unintentional bias, and the Disparate Effects Standard. Infographic instructions for completing all of the imperatives expected for fair lending risk management:  researching demographics, identifying low-and-moderate income neighborhoods, minority population, and how to complete a community credit needs assessment. Instructions and weblink for researching public HMDA data, and appraisal valuations, and peer analysis. Outlines supervisory examination, self-evaluation, and steps for preparing for a fair lending examination.


  • Purpose and Scope
  • Discrimination Risk
  • Appraisal Equality
  • Marketplace Demographics
  • Credit Needs Assessment
  • Product Enhancements
  • Community Outreach
  • Lending Performance Analysis
  • Compliance Monitoring
  • Supervisory Examination Preparation

View Compliance Resource Guide Example





Sold by U.S. State  

Suitable for immersive training or a fair lending workgroup project.  Each state guide includes U.S. Census demographics and HMDA summaries for the state’s top three Metropolitan Statistical

  • For each MSA:  2022 U.S. Census demographics, clearly formatted with extended population, household income, and housing statistics. 
  • For each MSA:  2021 Public HMDA data summary of loan disposition by race and ethnicity, delineated by all MSA median income groups.

Guide includes educational material about fair lending laws, and explains terms such as unintentional bias, modern-day redlining, discriminatory effects standard. Learning exercises include fillable forms to complete research and analytical projects to better understand the credit needs of their local marketplace.    

View State Toolkit Example

View Training Outline and Worksheet



For pricing and information, contact Anna DeSimone at [email protected] 
177 West Putnam Avenue, Greenwich CT 06830
Telephone: 475-256-0074
PayPal link for ordering books or reports