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ADI Compliance Consulting
2750 Prosperity Ave., Ste. 500
Fairfax, Virginia 22031

P: 703-836-1517
E: info@adiconsulting.com

Compliance Consulting Services

Fair Lending
Bank Secrecy Act/Anti-Money Laundering (BSA/AML)
Home Mortgage Disclosure Act (HMDA)
Community Reinvestment Act (CRA)

Knowledge Center

HMDA Huddle – Q&As for Tackling the Intricacies of HMDA

Posted: March 29, 2022

Welcome to ADI’s first issue of our quarterly HMDA Q&A series, HMDA Huddle. With another HMDA filing deadline behind us, lenders who successfully submitted their 2021 LAR can breathe a sigh of relief, and ADI is already looking ahead to 2022 reporting. ADI assists a wide variety of lender clients with HMDA LAR audit and […]

4 HMDA Fields and the Key to Consistency

Posted: March 8, 2022

Guidance on the Home Mortgage Disclosure Act (HMDA) provides instructions for how lenders should report each Loan Application Register (LAR) field. For most fields, the instruction is specific and leaves no room for differing interpretation or options for lenders to choose when reporting their LAR. For a handful of LAR fields, however, there is some […]

Four More Common HMDA Reporting Errors

Posted: October 12, 2021

Download This Article In two past Knowledge Center posts (Post 1 and Post 2), we discussed eight common errors that lenders encounter when satisfying reporting requirements under the Home Mortgage Disclosure Act (HMDA). The errors that we reviewed included: Failing to capture all HMDA-reportable transactions Reporting the incorrect loan amount Assigning the wrong geographies via […]

News

FTC Announces $10 Million Settlement with Illinois-Based Automotive Group

Posted: April 4, 2022

The Illinois Attorney General and the FTC announced a settlement that requires North American Automotive Services Inc., also known as Edward Napleton Automotive Group (Napleton), to pay $10 million to resolve allegations dealerships charged illegal fees. The settlement was filed with a complaint alleging Napleton dealerships illegally charged consumers for unwanted “add-ons,” discriminated against Black customers […]

HMDA Huddle – Q&As for Tackling the Intricacies of HMDA

Posted: March 29, 2022

Welcome to ADI’s first issue of our quarterly HMDA Q&A series, HMDA Huddle. With another HMDA filing deadline behind us, lenders who successfully submitted their 2021 LAR can breathe a sigh of relief, and ADI is already looking ahead to 2022 reporting. ADI assists a wide variety of lender clients with HMDA LAR audit and […]

CFPB Extends Protections to Target Consumer Finance Discrimination

Posted: March 18, 2022

The Consumer Financial Protection Bureau (CFPB) issued a release on March 16, 2022, announcing modifications to its supervisory operations that expand its monitoring of discriminatory lending and servicing practices. The CFPB stated that it “will scrutinize discriminatory conduct that violates the federal prohibition against unfair practices” at banks and non-bank companies across the U.S. The […]

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