Agree - on the Fair Lending - concentrate on redlining and especially if any of your assessment areas use less than whole counties. Due to the 2001 the US Department of Justice (DOJ) “Combating Redlining Initiative,” regulators are taking an enhanced view of Redlining, going beyond what had been considered the standards over the past decade.
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Integrity. With it, nothing else matters. Without it, nothing else matters.