Recent Regulatory Updates

In this episode of The Compliance 911, Len Suzio of GeoDataVision and Dean Stockford of M&M Consulting discuss why disparate impact analysis remains an important tool for identifying and managing fair lending and redlining risks, despite recent regulatory changes. They explore the role of statistical significance in detecting potential discrimination, the importance of evaluating lending practices and peer group comparisons, and how hidden market factors can distort redlining assessments. Through real-world examples, they examine strategies for investigating statistically significant findings, including reviewing loan products, pricing, multifamily lending, and affordable housing activity. They also highlight the importance of defining a realistic Reasonably Expected Market Area (REMA) and explain how financial institutions can use statistical analysis proactively to strengthen compliance efforts and prepare for future regulatory examinations. Brought to you by GeoDataVision and M&M Consulting

In this episode of The Compliance 911, Len Suzio of GeoDataVision and Dean Stockford of M&M Consulting discuss the latest changes to the CFPB’s Section 1071 Small Business Lending Rule and what they mean for financial institutions. They examine the significant narrowing of reporting requirements, including higher loan origination thresholds, a reduced small business revenue limit, exemptions for certain loan types, and streamlined demographic data collection. They also explore the new January 1, 2028 compliance deadline, the potential reduction in regulatory burden for community lenders, and the key steps institutions should take to determine whether they remain subject to the rule and prepare for implementation. Brought to you by GeoDataVision and M&M Consulting

Hosts Len Suzio interviews Josh Silver of the National Community Reinvestment Coalition about his book Ending Redlining Through a Community-Centered Reform of the Community Reinvestment Act. They discuss the historical roots of redlining, how the CRA can promote fair lending, and the need to center community input in regulatory exams. The episode covers practical topics for compliance professionals: disparate impact analysis, performance context, gentrification, assessment area challenges, and how documented community outreach and partnerships can improve CRA outcomes and reduce the risk of enforcement. Get the book here: Ending Redlining by Josh Silver Brought to you by GeoDataVision and M&M Consulting

Host Len Suzio welcomes Josh Silver of the National Community Reinvestment Coalition to discuss the regulators' Notice of Proposed Rulemaking on the Community Reinvestment Act. The episode focuses on the NPR's potential impacts, with a comment period ending October 13. Josh highlights top concerns — higher asset thresholds reducing data reporting, streamlined exam types that could cut community development financing, and new nonprofit reporting burdens — while noting positives like improved community development data, attention to Native lands, and better CRA transparency on bank websites. Get the book here: Ending Redlining by Josh Silver Brought to you by GeoDataVision and M&M Consulting

In this episode of Compliance 911, Len Suzio and Dean Stockford examine the OCC and FDIC’s newly proposed revisions to the Community Reinvestment Act, focusing on how the rule could reshape bank classifications, reporting requirements, assessment areas, and performance evaluations. Len highlights the Federal Reserve’s absence from the proposal, predicts it may eventually join, and explains that raising the large-bank threshold to $10 billion could reduce the number of mandatory CRA reporters from more than 700 institutions to roughly 135, significantly weakening peer comparisons for small-business and small-farm lending. The discussion also addresses proposed restrictions on assessment area boundaries, whole-county requirements for large banks, the exclusion of loans made outside designated assessment areas, and changes to lending, service, complaint, and community development evaluations. Len argues that reduced reporting offers little meaningful relief because banks must still demonstrate CRA performance, and he encourages institutions to submit comments before the proposal is finalized. Brought to you by GeoDataVision and M&M Consulting

 In this episode of Compliance 911, Len Suzio and Dean Stockford review key banking and compliance developments from June 2026, including new OCC rules affirming federal banks’ authority over real estate escrow interest and fees, updated FDIC guidance on official signs and advertising, and CFPB changes to Regulation B that have created uncertainty around disparate impact and fair lending enforcement. They also discuss a joint FinCEN advisory identifying red flags tied to fraud involving unauthorized employment, CFPB guidance on considering immigration status in ability-to-repay decisions, and expanded use of Section 314(b) information sharing for fraud and cyber-related activity. The episode concludes with FHA’s decision to make certain appraisal field reviews optional and an overview of the proposed 21st Century ROAD to Housing Act, which could provide regulatory relief for community banks through higher examination thresholds, brokered deposit reforms, streamlined bank formation, and support programs for smaller and newly chartered institutions. Brought to you by GeoDataVision and M&M Consulting

In this episode of Compliance 911, Dean Stockford and Len Suzio discuss the OCC’s proposed Community Development benchmarks for CRA performance, focusing on why community development has historically been difficult for banks to measure and plan. Len explains how the proposed benchmarks are organized by activity type—CD lending, qualified investments, services, and combined lending/investment activity—as well as by performance rating, bank size, and annual measures such as Tier 1 capital, assets, and volunteer service hours. The episode highlights how these benchmarks may give community banks a clearer framework for setting CRA goals and evaluating satisfactory or outstanding community development performance. Listeners can also download GeoDataVision’s special PDF recap containing all 67 proposed Community Development lending, investing, and service benchmarks from the GeoDataVision website. https://geodatavision.com/content/occ-proposed-elective-goals-for-cra-strategic-planning/ Brought to you by GeoDataVision and M&M Consulting

In this episode of Compliance 911, Len Suzio and Dean Stockford unpack the FDIC’s 2026 Consumer Compliance Supervisory Highlights, noting that while 98% of FDIC-supervised institutions earned satisfactory or better ratings, weaknesses in compliance management systems continue to create risk. The discussion focuses on the most common violation areas, including Truth in Lending, Electronic Fund Transfers, Flood, Truth in Savings, HMDA, and third-party oversight, emphasizing that disclosure accuracy, timely error resolution, operational discipline, and vendor management remain critical priorities for banks. Brought to you by GeoDataVision and M&M Consulting

The episode “CRA: The Importance of Assessment Areas” explains why a bank’s CRA assessment area is one of the most important decisions it makes, because it directly affects both performance results and the benchmarks examiners use during CRA reviews. Len explains that while CRA rules require banks to include whole census tracts, deposit-taking facility areas, surrounding lending areas, and avoid excluding low- or moderate-income tracts, banks still have flexibility to define the area they can reasonably be expected to serve. The discussion emphasizes that overly large assessment areas can set banks up for poor CRA performance, even when the area is technically compliant, because the bank may be compared against markets it cannot realistically serve. Len gives an example of a one-branch bank in Los Angeles County that improved its CRA position by narrowing its assessment area to nearby census tracts where it actually lent and served customers. The episode concludes that banks should regularly review their CRA assessment areas, especially after branch changes or acquisitions, using mapping tools and performance data to ensure their areas are compliant, realistic, and aligned with their actual community lending activity. Brought to you by GeoDataVision and M&M Consulting

The episode “AI Integration Into Compliance” explains how artificial intelligence is already becoming a practical tool for bank compliance teams as regulatory expectations rise, data volumes grow, and manual compliance processes become harder to sustain. Dean highlights three major areas where AI is creating value: transaction monitoring and AML, where machine learning can reduce false positives and detect suspicious activity more effectively; regulatory change management, where AI can scan updates and map them to internal policies and controls; and risk assessments/reporting, where AI can aggregate data to give management and boards clearer insights. However, the episode emphasizes that AI is not a plug-and-play replacement for compliance professionals. Banks must maintain strong governance, transparency, explainability, data controls, model validation, documentation, human oversight, and clear escalation paths. The key message is that AI should support compliance judgment—not replace it—and institutions should start with low-risk, high-pain use cases, clean and govern their data, collaborate across departments, and be ready to explain their AI tools to regulators. Brought to you by GeoDataVision and M&M Consulting