by Jayson Duncan | Sep 16, 2026 | RADD BUZZ
A denied applicant rarely knows why an algorithm made its decision. What they know is how it felt: confusing, inconsistent, or unfair. That feeling often ends up in a complaint long before it ends up in a fair lending statistic. Financial organizations tend to route...
by Steve Tabick | Aug 25, 2026 | RADD BUZZ
Most compliance teams treat UDAAP and fair lending as separate workstreams. Different regulations, different testing methodologies, often different teams entirely. That separation made sense when credit decisions were made by underwriters following documented...
by Steve Tabick | Aug 17, 2026 | RADD BUZZ
Fair lending compliance requires more than a written policy or annual training. Risk can arise throughout the credit lifecycle, including marketing, application intake, underwriting, pricing, exceptions, servicing, and third-party relationships. As financial...
by Steve Tabick | Aug 12, 2026 | RADD BUZZ
As financial organizations increasingly rely on automated underwriting, machine learning, and AI-driven decisioning, the question is no longer just whether a model works, but whether it can be explained. In an environment shaped by fair lending expectations, audit...
by Steve Tabick | Aug 3, 2026 | RADD BUZZ
AI is now embedded in some of the most important decisions financial institutions make, from detecting suspicious activity and fraud to making credit decisions. As these models become more widely used, supervisors are paying closer attention to how firms govern, test,...
by Steve Tabick | Jul 27, 2026 | RADD BUZZ
Banking‑as‑a‑Service, embedded finance, and multi‑layer fintech partnerships have moved from experimental to mainstream, with retail brands, marketplaces, and software platforms routinely offering accounts, cards, lending, and payments through stacked sponsor banks,...
by Steve Tabick | Jul 21, 2026 | RADD BUZZ
Consumers increasingly expect financial apps to offer instant approvals, one‑tap onboarding, and seamless day‑to‑day interactions. At the same time, regulators are doubling down on outcomes‑focused consumer protection, scrutinizing how products are presented, how fees...
by Steve Tabick | Jul 14, 2026 | RADD BUZZ
Regulators and sponsor banks now expect fintech‑driven financial organizations to pair streamlined, innovative products with bank‑grade compliance and governance. As digital services, embedded finance, and real‑time payments expand, informal controls and ad‑hoc...
by Brian Montes | Jul 6, 2026 | RADD BUZZ
I recently worked with a community bank that found itself in a situation many institutions quietly worry about. They had a full‑scope regulatory examination scheduled for October. Their vendor management program was established and generally well‑run, but the person...
by Brian Montes | Jun 29, 2026 | RADD BUZZ
At many payment companies, the first serious BSA/AML audit does not happen because someone internally planned it. It happens because a sponsor bank suddenly says, “You need to get a BSA/AML audit done.” If you are new in the risk seat at an ISO or a...
