Cure for the HMDA Hangover

Every website, social account, flyer, and podcast your company touches is a potential fair lending exam finding waiting to happen, and regulators are reviewing your digital footprint before they even look at your LAR data. In this session, Melissa Grindel at ActiveComply, sits down with Scott Weintraub at MQMR, to unpack where marketing compliance and fair lending risk actually intersect, and what you can do about it before an examiner does.

What you’ll learn:

• Are you reaching everyone? What regulators mean by “everyone” when they evaluate your marketing reach across race, ethnicity, gender, and age, and why algorithm-driven platforms like Facebook can create disparities you never intended
• Which words are red flags? Why terms like “expert,” “instant approval,” or “everybody gets approved” draw regulator attention fast, and how to say the same thing compliantly
• What are FDIC, OCC, and state regulators watching right now? From consumer complaints in social media comments to RESPA Section 8 concerns in loan officer and realtor videos, to state-specific disclosure requirements
• Is your website itself a fair lending risk? What imagery, representation, and ADA accessibility have to do with discouraging applicants, and why the average lender website scores just 60 to 65 out of 100 on accessibility
• How do you turn a gap into growth? Why a documented, proactive marketing and fair lending review can expand your reach into underserved areas instead of just avoiding a fine