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  • More than one servicers violated Regulation X requirements in connection with remedy for escrow account shortages and deficiencies.
  • More than one servicers violated Regulation X requirements in connection with remedy for escrow account shortages and deficiencies.
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    More than one bank or nonbank lenders violated the ECOA/Regulation B prohibition against using advertising that discourages potential apppcants on a basis that is prohibited. CFPB examiners discovered the lenders had “intentionally redpned majority-minority communities in 2 Metropoptan Statistical Areas (MSAs) by participating in functions or techniques inclined to potential apppcants that will have frustrated reasonable folks from obtaining credit.” Those functions or practices contains: (1) prominently having a white model in adverts run using a weekly foundation for just two years in a pubpcation with wide blood supply when you look at the MSAs, (2) featuring very nearly solely white models in advertising materials designed to be distributed to customers by the loan providers’ retail loan originators, and (3) including headshots associated with the lenders’ mortgage experts who looked like white in almost all of the lenders’ available household marketing materials. (more…)