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Fair and Responsible Lending


Gain a better understanding of regulatory priorities and where to find additional resources.

Fair lending and unfair, deceptive, or abusive acts and practices (UDAAPs) are key risks facing financial institutions today. This presentation will provide an overview of risks and mitigation approaches for five current areas of regulatory focus in fair and responsible banking: appraisal bias, algorithmic discrimination, overdraft and NSF practices, redlining, and discrimination as an unfair practice under UDAAP. After the program, participants will be armed with a greater understanding of regulatory priorities and where to find additional resources.



Lynn Woosley

Lynn Woosley


Lynn W. Woosley, CRCM

  • Managing director with Treliant, LLC
  • Leads the fair and responsible banking practice and co-leads the fintech team
  • Extensive risk management experience in regulatory compliance, consumer protection, consumer and commercial credit risk, credit and compliance risk modeling, and model governance in both financial services and regulatory environments
  • Assisted fintechs, banks, credit unions, and nonbank mortgage companies in addressing fair and responsible banking, compliance, and model risks
  • Held leadership positions including Senior Vice President and Fair and Responsible Banking Officer; Group Vice President for Wholesale Transaction Modeling; and First Vice President for Portfolio Management within the Enterprise Risk Management division of a top ten bank
  • Served as senior Examiner and Fair Lending Advisory Economist at the Federal Reserve Bank of Atlanta
  • Featured speaker for numerous banking, compliance, and CRA conferences across the country
  • Developed training materials related to fair lending, fair housing, UDAAP, credit risk management, credit scoring, and other consumer protection topics
  • Authored more than 100 articles, webinars, and conference presentations on consumer protection, risk management, and financial services
  • Served as both chair and vice-chair of the Consumer Bankers Association’s Fair and Responsible Banking Committee
  • Certified Regulatory Compliance Manager and a Commissioned Examiner of the Federal Reserve System
  • M.B.A. degree, Middle Tennessee State University; M.S. degree in finance, Georgia State University; B.B.A. degree, Middle Tennessee State University

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