Two best-in-class solutions. One fair lending advantage.

Regulatory expectations for fair lending and AI governance are accelerating, and institutions must demonstrate fairness with exam ready clarity across the entire credit lifecycle. Fair Lending Wiz® + FairPlay™ Fairness Optimization brings together best in class fair lending analytics and AI enhanced optimization to diagnose disparities, automate LDA searches, and strengthen decisions without increasing risk.

Together, they close the loop from detection to remediation — delivering defensible, repeatable fairness governance that supports safer, more inclusive growth.

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See how our new partnership delivers end‑to‑end fairness intelligence — from analysis to optimization.

Fair lending and AI governance expectations are rising fast. Institutions today face scrutiny from the CFPB, DOJ, state regulators, and consumer advocates. Ensuring fairness in underwriting, pricing, fraud, servicing, and marketing is now mission critical — and legacy tools can’t keep pace.

Fair Lending Wiz + FairPlay Fairness Optimization combine industry leading fair lending analytics with AI-native fairness enhancement to deliver exam-ready transparency, responsible growth, and repeatable governance in a single, unified experience.

Together, they help lenders detect disparities, understand why they exist, identify less discriminatory alternatives (LDAs), and unlock safe, inclusive growth — without increasing risk.

Turn fairness analytics into actionable improvement
Fair lending oversight is no longer just about detecting disparities — it’s about correcting them quickly, transparently, and at scale. Together, Fair Lending Wiz and FairPlay Fairness Optimization provide a unified pathway from risk identification to measurable fairness improvement.

Supporting the full fair lending lifecycle

Detection

Spot disparities across lending decisions to identify where fairness issues exist.

Diagnosis

Analyze drivers and context behind disparities to understand root causes.

Action

Re-underwrite declines to find qualified borrowers your primary model missed.

Action

Simulate alternative thresholds and model settings to identify less discriminatory, equally predictive options.

Action

Detect and de‑bias variables that act as proxies for protected classes.

Validation and documentation

Generate automated SR 11‑7–aligned validation and regulator‑ready fairness reports.

Fair Lending Wiz
 

Fairness Optimizer
Second Look

Fairness Optimizer
LDA Search

Proxy Detection
 

Model Validation
 
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This partnership connects compliance and growth through scalable, repeatable workflows.

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Elevate your fair lending strategy

See how the combined strength of Fair Lending Wiz + FairPlay Fairness Optimization transforms fair lending from a regulatory requirement into a strategic engine for fairness, transparency, and responsible growth.
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Fair Lending Wiz + Fairness Optimization delivers
Explore the capabilities that power continuous fairness management — from data integrity and disparity detection to AI-native fairness optimization, LDA simulation, and exam-ready documentation.
Abstract network and data
  • Data preparation and review
    Ensure your analysis starts with clean, accurate loan data. Fair Lending Wiz streamlines ingestion, validation, and normalization of datasets, reducing manual prep time and improving consistency — enabling your team to focus on insights and remediation rather than data wrangling.
  • Regression, matched-pair, and redlining analytics (disparity detection)
    Leverage industry-standard statistical testing across underwriting, pricing, and geographic patterns. Fair Lending Wiz identifies statistically significant disparities after controlling for legitimate credit factors, while matched-pair analysis uncovers case level differences requiring review.
  • Proxy tools for non-HMDA products
    Extend oversight to auto, credit card, personal loan, and other non-mortgage portfolios through proven proxy methodologies — supporting fair lending analysis across your full consumer credit ecosystem.
  • AI native fairness optimization (less discriminatory alternatives)
    FairPlay Fairness Optimization evaluates thousands of equally predictive but less discriminatory alternatives (LDAs) to help institutions reduce disparities while maintaining — and often improving — model performance. This includes automated LDA search, feature adjustments, and model-level optimization workflows.
  • Second look and re-underwriting workflows
    Unlock safe, additional approvals by automatically reassessing high scoring applicants who were previously declined. FairPlay analyzes outcomes, identifies recoverable approvals, and supports inclusion without increasing default risk.
  • Fairness dashboards, drift monitoring, and governance artifacts
    Monitor fairness in underwriting, pricing, fraud, servicing, and marketing decisions. FairPlay generates model-risk grade artifacts — challenger validations, decision logs, drift metrics, fairness reports — while Fair Lending Wiz provides examiner ready narratives for regulatory confidence.
  • Custom reporting and exam-ready documentation
    Combine Fair Lending Wiz’s documentation capabilities with FairPlay’s LDA evidence pack to produce transparent, repeatable reporting for compliance, modeling, credit, and executive audiences. Ensure your institution has the narratives, alternatives-considered documentation, and artifacts regulators now expect.
Customer outcomes
Financial institutions leveraging Fair Lending Wiz + FairPlay Fairness Optimization consistently achieve measurable, data-driven improvements across their lending portfolio. By unifying disparity detection with AI-powered fairness optimization, organizations unlock safer approvals, increase inclusion, strengthen decision quality, and deliver meaningful ROI — all without increasing default risk. The results below represent the typical, validated impact seen across real customer portfolios.


Up to 10%

more approvals


Up to 13%

higher take rates


Up to 20%

more inclusion

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No increase in default rates


25%-33%

of high-scoring declines shown to be safe


5-10x ROI

validated across portfolios

Resources:

Wolters Kluwer Fair Lending Wiz® + FairPlay Fairness Optimization

Fair Lending Wiz provides analytics; Fairness Optimization drives remediation.
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Fair Lending Wiz®

Detect fair lending risk early and simplify compliance.
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Unlock the power of fairness analytics + optimization

Connect with a fair lending and model governance expert today to assess your challenges and explore tailored solutions for your institution. Discover how unified disparity detection, AI-driven fairness optimization, and exam-ready transparency can transform your fair lending strategy and strengthen responsible growth.

Why schedule a consultation?

  • Improve fairness outcomes with automated LDA discovery and Second Look workflows
  • Reduce compliance and model risk exposure with standardized, examiner ready documentation
  • Modernize governance for AI/ML models with continuous drift and fairness monitoring
  • Unlock safe, incremental approvals and expand inclusion without increasing default risk

Ready to take the next step?

Fill out the quick form below to start your personalized consultation. Together, we’ll explore how Fair Lending Wiz + FairPlay Fairness Optimization can meet your unique needs and deliver measurable impact across your lending portfolio.

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