November 2026

Two lawsuits now ask federal judges to throw out the CFPB's April 2026 amendments to Regulation B, the rule that implements the Equal Credit Opportunity Act. The amendments drop the "effects test" for disparate impact, narrow what counts as discouraging an applicant, and restrict how for-profit lenders can run special purpose credit programs. They took effect on July 21, 2026, and no court has paused them. This article covers what the rule changed, who sued and what they want, which fair lending obligations the case does not touch, and which monitoring a fair lending program should keep running while it waits. Everything below is read from the final rule, the complaints and the coverage linked in each paragraph. None of it is legal advice, and we make no guess about how either case will…

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New Features, Enhanced Reporting, Improved Mapping, and 2026 Submission ReadinessWe are pleased to announce that Comply 26 is now available for download from the RATA Support Site. This latest release continues our commitment to providing powerful, reliable, and easy-to-use compliance software while incorporating enhancements driven by feedback from our clients. Comply 26 includes the latest edit and submission updates for the 2026 HMDA and CRA reporting requirements, along with support for the new 2027 reporting year so you can begin preparing for the next reporting cycle. Beyond the regulatory updates, this release includes numerous enhancements across Comply, with particular emphasis on ComplyBI, Mapping, Fair Lending, and overall usability. ComplyBI – More Powerful Reporting and…

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