The guidance reaffirms that civil rights laws allow state attorneys general to fight intentional and disparate-impact discrimination, despite actions taken by the Trump administration and federal agencies.
The framework provides state examiners with a tool to identify and understand AI at financial entities, assess associated risks and determine when deeper review may be needed.
Mortgage trade groups and consumer advocates said the bureau must carefully consider the impact on industry and consumers if it pursues changes to the TILA-Integrated Disclosure rule.
As federal regulators retreat from disparate-impact liability, some states are ramping up their enforcement, leaving lenders with conflicting requirements.
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