Fair lending, HMDA and CRA work in one place.
This page is for the fair lending officer, the CRA officer and the HMDA analyst at a bank or credit union. At many institutions the compliance officer carries this work too, and a compliance holder already covers it. Credit unions see the family as Fair lending, because CRA does not apply to them.
- My work
- Open
- Compliance
- Open
- Every other group
- Folded
What opens first.
My work comes first, then the groups below, and only those groups start open. The All sections switch brings back the full order. A job family only arranges the sidebar, and your permissions still decide which items you see.
- 01Compliance. Gap report · Monitoring & testing · Absence testing · Training oversight · Advisory log · CMS scorecard · Complaints · Disclosures · Marketing reviews · HMDA · CRA
The dashboard shows Needs your attention, Overdue & at-risk, Findings tracker, Framework health and Regulatory updates. Your role still caps that set, and a panel you do not get is left out rather than shown as a zero.
Where the work lives.
The feature pages and documentation this family uses most.
Consumer compliance
Zovos runs the CFPB compliance management system continuously across complaints, fair lending, HMDA and CRA, disclosures, and marketing review.
ExploreMonitoring & testing
Sample by risk, record results in a sample-by-step matrix, and let governed sign-off promote a failed test into a finding.
ExploreRegulatory change management
Watch the federal banking regulators and your charter state, and get a proposed mapping from each moved paragraph to your library, with citations attached.
ExploreWhat your role can approve.
A job family never grants a permission, and it never changes the price. What you can approve comes from your role, and people in this family usually hold one of the roles below.
- 01Compliance Analyst. The Compliance Analyst role writes drafts, findings, risk, controls and third-party records, but it approves nothing.
- 02Owner. The Owner role approves every decision outside internal audit and is the role that grants examiner access.
Whatever the role, the person who submits a decision cannot approve it. The only exception is a decision that no one else in your institution can approve. The submitter may then approve it with a recorded justification, and that override is audited. See Roles and permissions for the full model.
See Zovos the way your role will.
Bring your controls, a policy, and the work this family owns. We target two-week onboarding.