Fair Lending Software Demo

See Fair Lending Analysis in Action

What you'll see in your demo: Our compliance experts will walk you through a live demonstration of Comply Fair Lending, showing you exactly how the software identifies potential fair lending risk in your loan data using the same FFIEC and CFPB Fair Lending Examination Procedures examiners themselves apply.

Your personalized demo includes:

• Live walkthrough of the Comply Fair Lending interface
• Sample analysis using FFIEC-based scorecards
• Demonstration of matched-pair analysis and comparative file review
• How to drill down into risk factors by product, geography, or time period
• Executive reporting capabilities for management and examiners
• Q&A with our compliance software experts

One thing worth seeing on your own data: in the 2024 HMDA data, 18.3% of applications nationwide carry no reported race and 17.0% no reported ethnicity, and the share is consistently higher on denials than on originations — which is exactly where a fair lending review looks. The demo covers how the CFPB’s own BISG proxy fills that gap, and where the method is known to fail.

Demos typically run 30-45 minutes and can be scheduled at your convenience. No preparation required on your end. RATA Associates has built compliance software since 1987, and Comply Fair Lending applies that same FFIEC and CFPB examination framework to your own loan file, not a generic statistical model.

Can the regression run without a statistician?

Comply Fair Lending carries the method as settings rather than as expertise. The variable selection procedures and their p-value thresholds, the automatic transformation and dummy-coding of field values, and the CFPB/FRB and OCC sampling rules with their reliability and precision levels are all built in, so a compliance officer sets them and can show an examiner exactly what was set. Logistic regression runs for underwriting decisions and linear regression for pricing. What you still supply is the judgment about which legitimate credit factors belong in the model, which is the part no software settles for you.

Which disparities does the analysis surface, and how are they explained?

Comply Fair Lending scores the twelve FFIEC risk factors examiners work from, covering pricing, underwriting, redlining and steering, and any scored cell opens to the applications underneath it. A disparity is explained by showing the specification: which factors were controlled for, how they were entered, and which files are driving the result. Standardized and studentized residuals and Cook's distances calculate as standard, so the applications with disproportionate influence are identifiable rather than buried in the aggregate. Comparative file review then carries the argument from a coefficient to the files themselves.

What does the examiner-ready output look like?

The demonstration covers the reporting for management and examiners, built from the same analysis rather than re-typed into a deck. You see the drill-down from a scored risk factor into the application-level data behind it, filtered by product, geography or time period, so the report and the evidence for the report are never in two systems. Demos run 30 to 45 minutes, with time for your own questions and nothing to prepare beforehand.

Last updated: September 15, 2026