April 4: The Intersection of Pricing Concessions and Fair Lending

With mortgage rates ticking down and spring buying season looking more promising, competition for origination is going to be fierce and lenders need to make sure pricing enables loan officers to compete. Whether it’s through interest rate reductions, closing cost assistance or temporary buydowns, pricing concessions can be offered by lenders to address competitive pressures.  

While a common practice in the mortgage industry, pricing concessions must be done in a fair and non-discriminatory manner to comply with fair lending laws and regulations. Fair lending concerns arise when lenders provide terms that could potentially lead to discrimination or unequal treatment of borrowers.

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Thursday, April 4 (2:00 PM – 3:00 PM ET)


Categories of fair lending concerns associated with offering mortgage pricing concessions

How to structure, document and monitor pricing concessions decisions

Best practices for communication between loan officers and compliance

Experience Level:


Target Audience:

Loan Officers

Loan Processors

Compliance Staff

Audit Professionals

Operation Managers

Nanci Weissgold, Co-Chair, Financial Services & Products Group and Co-leader, Consumer Financial Services Team, Alston & Bird, LLP

Melissa Malpass, Senior Associate, Alston & Bird, LLP