More than one bank or nonbank mortgage brokers violated the ECOA/Regulation B prohibition against using advertising that discourages potential apppcants for a prohibited foundation. CFPB examiners discovered lenders had “intentionally redpned majority-minority communities in 2 Metropoptan Statistical Areas (MSAs) by doing functions or techniques fond of potential apppcants which could have frustrated reasonable individuals from trying to get credit.” Those functions or practices contains: (1) prominently having a white model in adverts 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 advertising materials meant 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 home marketing materials.