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Fair lending laws are undergoing significant changes in light of federal deregulation. While federal law does not currently require financial institutions to provide consumer disclosures in non-English languages for individuals with limited English proficiency (LEP), many states continue to require and enforce language-specific disclosure mandates. Further, institutions must still comply with fair lending laws including the Equal Credit Opportunity Act (ECOA) and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), to ensure that their lending practices are not discriminatory or unfair to LEP consumers. Institutions should carefully evaluate this Fair Lending Compliance: Limited English Proficiency Consumer Disclosure Checklist as part of their LEP strategies to ensure fairness, clarity, and compliance in the absence of federal guidance.
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