For the 2026 cycle, HMDA is about executing familiar rules cleanly, on time, and with a record that holds up to review. The reference material has a name many reporters know (the FFIEC's "A Guide to HMDA ...

The gap between recorded data and correct data is where most HMDA reporting effort goes. A single mis-keyed rate or an outdated census tract can turn a routine filing into an examination finding. This article wa...

Most fair lending problems are caused when a team cannot prove a decision. They need to show, months or years later, that a denial, a price, or an appraisal rested on legitimate factors and was documented at the ti...

A compliance officer at a community bank rarely needs a tool to tell her what a particular regulation says. What she needs help with is whether a specific promotional flyer, going out by email to existing customers...

Most banks and credit unions depend on dozens of outside vendors, fintech partners, and service providers. Each relationship brings convenience but also exposure. Managing vendors in spreadsheets stops working quic...

When we recently analyzed how bankers use the Ask Kaia compliance assistant between April 1 and June 30, 2026, questions covering third-party and privacy compliance came in last by volume. Just 4.8% of tagged quest...