March 2026
Fair Lending Self-Assessment: A Step-by-Step Guide for 2026

Updated October 20, 2026: new section on the CFPB's 2025 fair lending report. Fair lending compliance is not only about passing your next exam. It is about being able to show that your institution treats every applicant consistently, and being able to show it with evidence you generated yourself rather than evidence an examiner generated for you. A thorough self-assessment identifies potential issues before examiners do, demonstrates proactive risk management, and protects the institution from enforcement actions that begin as findings nobody looked for. This guide walks through a comprehensive fair lending self-assessment using the same methodology regulators use when they examine an institution. The ten steps are in the order an examiner would work through them, which is also the
- The Regulation B Lawsuits: What Your Fair Lending Program Should Keep Doing While the Rule Is in Court
- California's New Fair Lending Exam Law: What State-Chartered Banks, Credit Unions and Mortgage Licensees Should Have Ready
- How to Benchmark Your CRA and HMDA Lending Against Peer Data
- HMDA vs CRA vs Section 1071: What Each Rule Collects and Who Has to File
- Fair Lending Regression Analysis: What It Controls For and How to Explain a Pricing Disparity
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- 2026 HMDA Data: Your Filing Checklist for the March 1, 2027 Deadline
- HMDA Plus: What It Actually Changed in the LAR Workflow
- How to Fix the 10 Most Common HMDA Edit Check Errors
- How to Evaluate Fair Lending and CRA Software: What to Test Before You Sign
- What a Fair Lending Exam Actually Asks For
- Fair Servicing: What Examiners Test in Servicing Data, and How to Test It First
- What Actually Counts as a Small Business Loan Under Section 1071
- Section 1071 in 2026: What Lenders Need to Know About Small Business Lending Data
