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Services

Testing designed around real fair-lending risk.

Independent testing can help evaluate how prospective customers experience your institution across products, people, channels, and markets.

Matched-Pair Testing

Two comparably qualified testers with controlled differences make similar inquiries. The resulting interactions can be evaluated for differences in information, encouragement, assistance, follow-up, and treatment.

Multi-Layer Testing

A broader series of structured interactions can examine patterns across branches, call centers, digital channels, loan officers, products, or geographic markets.

Complaint-Specific Testing

When a complaint, trend, or control concern identifies a potential vulnerability, targeted testing can help gather current, practical information about the customer experience.

Post-Application Experience Surveys

With a lender's authorization, we can interview a defined sample of applicants after their application experience or lending decision. Interviews may include applicants whose loans were approved, denied, withdrawn, or subject to a counteroffer. The lender's compliance team helps establish the sample, timing, contact approach, and questions before outreach begins.

Annual Fair Lending Testing Program

A single test provides a view of one point in time. A repeatable schedule can examine borrower interactions across selected branches, phone conversations, digital inquiries, and stages of the lending process. Follow-up testing can examine whether changes to training or procedures are reflected in later interactions.

Findings Debrief and Follow-Up

We organize observed interactions for compliance leadership and discuss practical next steps. Engagements may include a focused follow-up test after an institution makes changes to its customer-facing practices.

Additional applications

Flexible enough for the question at hand.

  • Mortgage-origination and housing-related inquiries
  • ECOA and Regulation B customer-experience testing
  • Fair Housing Act testing
  • Cross-channel and Spanish-language experience testing
  • Mystery shopping and comparative-treatment review
  • Written findings and training informed by observed interactions
A lending representative speaking with prospective customers

Fair Lending Testers

Ready to discuss your testing needs?

A focused conversation can help determine the right question, scope, and methodology.

Request a Confidential Consultation