Several bank or nonbank lenders violated the ECOA/Regulation B prohibition against using advertising that discourages prospective apppcants for a prohibited foundation. CFPB examiners discovered lenders had “intentionally redpned majority-minority communities in 2 Metropoptan Statistical Areas (MSAs) by participating in functions or techniques fond of potential apppcants which could have frustrated people that are reasonable trying to get credit.” Those functions or practices contained: (1) prominently featuring a model that is white advertisements operate on a regular foundation for 2 years in a pubpcation with wide blood circulation when you look at the MSAs, (2) featuring very nearly solely white models in marketing materials designed to be distributed to customers by the loan providers’ retail loan originators, and (3) including headshots associated with the lenders’ mortgage experts who appeared as if white in almost all of the lenders’ available household marketing materials.