Financial Economics

CRA analyzed mortgage lending practices for several lenders as part of compliance reviews by the FRB, OCC, OTS, FDIC, FTC, and HUD. We provided an assessment of fair lending risks with regard to underwriting approval decisions, loan pricing, and fees paid by consumers as part of the mortgage origination process.
In a consumer class action matter, CRA provided damages testimony that relied on investigations of loans to named plaintiffs, statistical analysis of mortgage pricing, and broker compensation. Following our testimony, the case settled on favorable terms.

CRA’s Financial Economics practice provides financial institutions, legal teams, and regulators with the experience and quantitative analysis capabilities they need to achieve their objectives in regulatory and litigation matters related to consumer finance markets. The practice applies rigorous statistical modeling techniques to matters involving a full spectrum of consumer market issues, lending discrimination, credit scoring, loan servicing, mortgage securitization, indirect auto lending, credit cards, and student lending. The litigation involves providing damages analyses for a variety of investigations. The Financial Economics practice provides regulatory reviews involving federal financial regulatory agencies, Housing and Urban Development, and the Federal Trade Commission. In addition, the EME based staff in the Financial Economics practice provide expert testimony in international arbitrations and forensic accounting matters. Learn more

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