Fair Lending Act Audiences (FLA)

**Description**
Our Financial Audiences are constructed without the use of specific demographic attributes that may increase the likelihood of discriminatory practices prohibited by the Fair Housing Act ("FHA") and Equal Credit Opportunity Act ("ECOA").

**Use Cases**
To better understand prospects and customers in financial markets with tight marketing regulations, these FLA audiences offer insights into everything from:

- A consumer's estimated investment balance
- A consumer's likelihood of being in the market for a home equity loan in the next 180 days.

**Sample Data Elements**

- Auto loan paid off / auto lease paid off, In the market for an auto loan, auto lease, auto loan refinance
- Bank Card – High-limit bank card, in the market for a credit card, a propensity to engage in a balance transfer
- Financial Insights – Ability to pay, debt to income ratio, income, financial personalities
- Loan and Mortgage – Existing mortgage, in the market for a first home mortgage, in the market for a home refinance loan

**Treating Data With Respect:** https://www.experianplc.com/responsibility/treating-data-with-respect/

**Note:** Data is delivered with RampIDs. Click “Request access” to contact LiveRamp, if you are not RampID enabled.