RATA

The Justice Department announced today that Fort Davis State Bank, based in Fort Davis, Texas, will implement uniform pricing policies, conduct employee training and pay $159,000 as part of a settlement to resolve allegations that it engaged in a pattern or practice of discrimination on the basis of national origin. Facts from the Justice Department's settlement with Fort Davis State Bank, as cited in this article. InstitutionRegulator(s)ViolationPenaltyPeriod coveredHMDA/fair-lending data field involved Fort Davis State BankJustice Department (Civil Rights Division); referred by the FDICEqual Credit Opportunity Act (ECOA) — pattern or practice of pricing discrimination on the basis of national origin, charging higher prices for unsecured consumer loans to Hispanic…

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Although geocoding is only one part of the examination accuracy testing, it is substantially different from the other submittable data that is tested. The geocode is probably the most important data element because of its demographic impact. There is no such thing as 100% accuracy for geocodes on a complete LAR due to the complexities and subtleties of the subject, but there is at least one proven solution that can achieve greater than 98% accuracy. This document contains statistical and anecdotal evidence describing how to achieve the highest precision level possible to help avoid a time-consuming resubmission process or a costly penalty. See the geocoding engine behind these accuracy figures. If you want to check a hard-to-place address yourself before it becomes a resubmission problem,…

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