{"page":"/blog/fair-lending-advertising-rules","modified":"2026-11-10","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Matter","Marketing facts alleged","Resolution","Status on 9 November 2026"],"rows":[["United States and CFPB v. Trustmark National Bank (W.D. Tenn., filed 22 October 2021)","Redlining in the Memphis area under the FHA and ECOA","Consent order 27 October 2021: $3.85 million loan subsidy fund; at least $200,000 a year for five years on advertising and outreach (DOJ)","Judgment vacated and case dismissed with prejudice on 21 May 2025, on an unopposed motion (CFPB)"],["CFPB and United States v. Trident Mortgage Company (E.D. Pa., filed 27 July 2022)","Over 92% of 15 direct mail campaigns sent to majority-white areas; flyers showing almost all white loan officers; MLS-based ads 87.5% in majority-white areas (complaint)","Consent order entered 14 September 2022","Order terminated and case dismissed on 2 June 2025 (CFPB)"],["CFPB v. Townstone Financial (N.D. Ill., filed 15 July 2020)","Statements on the company's radio show and podcast alleged to discourage Black prospective applicants (Goodwin, July 2024)","Seventh Circuit held on 11 July 2024 that ECOA reaches discouragement of prospective applicants; stipulated judgment 7 November 2024","Joint motion to vacate the judgment denied 12 June 2025 (CFPB)"],["United States v. Lakeland Bank (D.N.J., consent order September 2022, five-year term)","n/d (complaint not read)","Consent order","DOJ motion for early termination denied, reported 6 August 2026 (Consumer Finance Monitor)"]],"sourceUrls":[["https://www.justice.gov/crt/case/consent-order-united-states-v-trustmark-national-bank-wd-tenn","https://www.consumerfinance.gov/enforcement/actions/trustmark-national-bank/"],["https://www.justice.gov/d9/press-releases/attachments/2022/07/27/2022.07.27_trident_complaint_filed_0.pdf","https://www.consumerfinance.gov/enforcement/actions/trident-mortgage-company-lp/"],["https://goodwinlaw.com/en/insights/blogs/2024/07/seventh-circuit-revives-cfpbs-ecoa-action-alleging-discrimination-against-prospective-applicants-aga","https://www.consumerfinance.gov/enforcement/actions/townstone-financial-inc-and-barry-sturner/"],["https://www.consumerfinancemonitor.com/2026/08/06/court-denies-early-termination-of-lakeland-bank-redlining-consent-order/"]]}