Fair Lending: Data Limitations and the Fragmented U.S. Financial Regulatory Structure Challenge Federal Oversight and Enforcement Efforts Page: 4 of 102
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Appendix VI Comments from the National Credit Union
Appendix VII Comments from the Office of the Comptroller of
the Currency 90
Appendix VIII Comments from the Office of Thrift Supervision 95
Appendix IX GAO Contact and Staff Acknowledgments 96
Table 1: Federal Depository Institution Regulators of Federally
Insured Depository Institutions 9
Table 2: Number of Outliers on Federal Reserve Screening List
Based on HMDA Year 2006 Data, by Type of Federal
Agency That Oversees Them 15
Table 3: Number of All Outliers Identified by Depository Institution
Regulators, Based on HMDA Year 2006 Data 17
Table 4: Annual Numbers of HMDA Filers Identified by the Federal
Reserve Screens as a Percentage of Total HMDA-filing
Lenders, by Lender Type, 2004-2007 29
Table 5: Number and Percentage of Pattern or Practice Referrals to
DOJ Related to Mortgage Pricing Disparities Identified by
Selected depository institution Regulators in the Outlier
Examinations GAO Reviewed, Based on HDMA Years 2005
and 2006 Data 52
Table 6: DOJ Settled Enforcement Cases Involving Fair Lending
Violations, from 2005 through May 2009 55
Table 7: Federal Agencies That Have Examination and
Enforcement Authorities for Fair Lending Laws, by Type
of Entity (Depository Institutions, Independent Lenders,
GAO-09-704 Fair Lending
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United States. Government Accountability Office. Fair Lending: Data Limitations and the Fragmented U.S. Financial Regulatory Structure Challenge Federal Oversight and Enforcement Efforts, report, July 15, 2009; Washington D.C.. (digital.library.unt.edu/ark:/67531/metadc300268/m1/4/: accessed January 18, 2019), University of North Texas Libraries, Digital Library, digital.library.unt.edu; crediting UNT Libraries Government Documents Department.