Banking Expert Witness and Litigation Support
 

Fair Lending matters may involve disputes related to the origination and underwriting of residential mortgage loans. These disputes may focus on underwriting decisions, pricing, disclosures, program eligibility, and the application of institutional policies. Evaluation in these matters considers whether lending practices were applied consistently and in alignment with applicable laws, regulatory guidance, and industry standards in effect at the time.

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Areas of Fair Lending Review

• Equal Credit Opportunity Act (ECOA) compliance

• Fair Housing Act lending standards

• Underwriting policy consistency and documentation

• Pricing discretion and rate exception controls

• Adverse action notice compliance

• Credit decision documentation and audit trails

• Redlining allegations

• Disparate treatment analysis

• Fair lending monitoring and second-line oversight

• Complaint handling and escalation practices

 

Regulatory Frameworks Commonly Evaluated

My analysis may involve review under:

• Regulation B (ECOA)

• Fair Housing Act

• Interagency Fair Lending Examination Procedures

• CFPB Supervisory Highlights and enforcement guidance

• OCC Fair Lending Handbook

• Safety and Soundness Standards (12 CFR Part 30)

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The information provided above is only intended to describe general information and categories of disputes and analytical considerations. Any expert opinions, conclusions, or testimony are formed solely within the context of a specific engagement and based on the facts, materials, and issues presented. This page is intended for attorneys, institutions, and parties seeking independent analysis of banking operations and industry practices in litigation matters. The scope of any engagement is determined in consultation with retaining counsel and may vary depending on the procedural posture and jurisdiction of the matter.