Sarah Hamilton

Examiners expect a bank's fair lending testing to cover the underwriting, pricing, steering, redlining and marketing risks its own risk assessment identifies, through comparative file review and statistical analysi...

The risk management news that matters most to banks and credit unions in Q3 2026 is the OCC and FDIC final rule redefining unsafe or unsound practice and limiting matters requiring attention, followed by the intera...

Bank AI regulations in the United States are a set of existing supervisory instruments covering model risk, third-party risk, consumer protection and information security, which a bank reads its AI use cases agains...

Banks use operational risk indicators to log every early signal, a key risk indicator breach, an audit finding, an RCSA finding, or a near miss, into one issue register the moment it appears, then assign an owner, ...

HMDA reporting requires a covered lender to collect defined data on every dwelling-secured application, origination and purchase, assemble it into a loan application register, clear the errors the filing platform f...

Banks approach regulatory examination preparation by keeping the records an examiner will request current as ordinary compliance work, so the weeks before fieldwork go on locating and reviewing evidence instead of ...

Fair lending software reads an institution's loan application register and tests it for outcome differences between borrower groups, geographies and price points, then reports each disparity alongside the loan docu...

Policy lifecycle management in a bank runs as one controlled sequence on a single policy record. Typically, an owner drafts against the obligation, compliance reviews, the board or a board committee approves, the a...

An AI compliance copilot drafts, retrieves and summarises compliance work for a named officer to verify and sign, which changes what arrives on that officer's desk but not the accountability for what leaves it. What...

Financial institutions manage regulatory uncertainty by splitting a pending rule into the part that is settled enough to build now and the part that stays under monitoring, then recording the basis for each call so...