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Week Two

Fair Lending, Discrimination & ISAs

July 30, 2020

2:00 PM ET / 11:00 AM PT

Many ISAs use differential pricing across schools and majors, relying on criteria that often align with race and gender. This panel will examine the disparate impact of ISAs, particularly on women and people of color. Panelists will explore the federal and state fair lending laws intended to protect consumers from discrimination and how ISAs fit into this existing fair lending framework.

SBPC ISA Paper Series

Solving Student Debt or Compounding the Crisis?:
Income Share Agreements and Fair Lending Risks

Opening Speaker

Rohit Chopra, Commissioner, Federal Trade Commission

Panel Discussion

Fair Lending, Discrimination, and Income Share Agreements

Alissa Gardenswartz 

Shareholder, Brownstein Hyatt Farber Schreck

Tariq Habash

Head of Investigations, Student Borrower Protection Center 

Stephen Hayes 

Partner, Relman Colfax 

Daniel Rogers

Founder, A.M Money

Nick Smyth

Senior Deputy Attorney General, Assistant Director of the Bureau of Consumer Protection, Pennsylvania Office of the Attorney General

Moderated by Stacy Cowley, New York Times

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