In our Ask Kaia question-trends report covering April 1 to June 30, 2026, lending compliance turned out to be the single subject bankers asked about more than any other, with 1,309 tagged questions representing 27....

A bank can employ people who understand the Home Mortgage Disclosure Act in detail and still file inconsistent data, miss a deadline, or lose the institutional memory. A written policy records how your institution ...

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 A single mis-keyed rate or an outdated census tract can turn a routine filing into an examination finding.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...