Fair Lending in 2025: new regulations, examinations and enforcement

Fair Lending for financial institutions encompasses a group of laws and regulations prohibiting discrimination in the extension of credit to consumers. Failing to follow the fair lending compliance regulations can result in civil money penalties, restrictions on branching and significant reputational damage for an institution.

Failing to follow the fair lending compliance regulations can result in civil money penalties, restrictions on branching and significant reputational damage for an institution.

With recent enforcement actions and new regulations, we have to understand the implications for our positions within Banks. With the increase so far in 2025 and more to come, we have to stay on top of the regulatory news, especially in this climate.

Why Should You Attend:

Because fair lending isn’t just a regulation—it’s a responsibility. Whether you’re at a fintech, bank, or credit union, the pressure is on to ensure your lending practices are equitable, compliant, and defensible. With regulators and consumer advocates watching closely, one misstep can lead to serious consequences: enforcement actions, reputational damage, or worse—loss of trust.

This training gives you practical tools to avoid those risks. We break down what fair lending really means in your day-to-day, explain how to spot potential red flags, and show you what good looks like—whether you're handling credit decisions, marketing, or compliance reviews.

If your role touches lending—even indirectly—this is the kind of session that makes you better at your job, gives your team more confidence, and helps protect your organization.

Let’s face it: no one wants to be the next headline. This training helps you stay off the radar—for all the right reasons.

Areas Covered in the Webinar:

During this session, we will discuss. Specifically, we will go over the following regulations:

• Overview of Fair Lending
• Illegal Discrimination
• Five key regulations under Fair Lending
• Equal Credit Opportunity Act/Regulation B
• Fair Credit Reporting Act
• Truth-in-Lending Act/Regulation Z
• HMDA/Regulation C
• Unfair, Deceptive or Abusive Acts or Practices (UDAAP)
• Takeaways

Who Will Benefit:

• Legal, Compliance, anyone dealing with privacy, Human resources

Justin Muscolino
Head of North America Compliance Training, GRC Solutions Pty Ltd

Justin brings over 20 years of wide-arranging experience in compliance, training and regulations. Most recently, he served as Head of Compliance Training at Bank of China where he led the compliance training function and created and monitored the annual training plan through a thorough training needs analysis. Previously he served as Macquarie Group’s Head of Americas Compliance Training and JPMorgan Chase’s Compliance Training Manager. Justin also worked for FINRA, a US regulator, where he created Examiner University to train examiners on how to perform their function.

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