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🌟 Navigating the Evolving Landscape of Fair Lending in 2025 🌟 As we move through 2025, the fair lending environment is experiencing significant changes at both federal and state levels, highlighting the need for financial institutions to double down on risk and compliance operations to stay ahead. Wolters Kluwer's annual Community Reinvestment Act (CRA) & Fair Lending Colloquium provided valuable discussions on these emerging trends and risks, emphasizing the importance of staying vigilant and
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As per RBI guidelines, recovery agents are required to follow fair practices and cannot harass, threaten, or use abusive language while collecting loan dues. They are permitted to contact borrowers only between 7 AM and 7 PM, and must carry proper identification and authorization from the lending institution. Acts such as intimidation, public shaming, or unnecessary involvement of family and employer are strictly prohibited. In case of harassment, a borrower has the right to file a complaint wit
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