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Win-Win Solutions
Philosophy
Win-Win Solutions is an outgrowth of Jon's 30-year federal service in fair housing and fair lending. Jon learned from his career helping to lead DOJ's fair lending enforcement program that profitable business practices and the principles of fair lending can and should go hand in hand.
What Win-Win Solutions Can Do For You
1.
Transform Risk to Opportunity
Using similar analyses that enforcement agencies apply during investigations, we specialize in turning fair lending risks into opportunities for growth and profitability by providing a comprehensive understanding of risk, providing hands-on interactive training for key staff members, connecting lenders with community groups, and making recommendations for improving compliance management systems.
2.
Comprehensive Risk Review
We provide a holistic redlining risk assessment through an external and internal assessment of your lending institution, including HMDA analyses, staff interviews, and website review.
3.
Best Practices Recommendations
After conducting a survey of best practices from community groups within your geography, share best practices recommendations proven to be effective in serving the credit needs of communities of color within your MSA.
4.
Community Group Introductions
Receive connections to community groups who can help increase market share and drive growth in communities of color, ultimately increasing profitability.
5.
Staff Redlining Training
Ensure compliance across your institution with redlining training across all departments in your institution responsible for soliciting applications and underwriting loans, fostering a culture of fair lending awareness and accountability.
6.
Annual Follow Up Review
We will conduct an annual follow up to review the progress made on the implementation of recommendations, generate new maps and reports based on progress, have follow up discussions with key personnel and provide additional redlining training for staff based on updates within the year.
PRESIDENT & FOUNDER
Jon M. Seward
Jon Seward, President and Founder of Win-Win Solutions, brings extensive experience in fair housing and fair lending to his role. Throughout his career, Jon has been at the forefront of efforts to combat discriminatory lending practices and promote equitable access to credit for all communities.
With a profound understanding of redlining issues, Jon has navigated the complexities of fair lending enforcement across multiple presidential administrations, including those of Presidents Bush, Obama, Trump, and Biden. His involvement in joint investigations and cases with the Consumer Financial Protection Bureau (CFPB) has provided him with valuable insights into addressing fair lending violations across a spectrum of lenders, ranging from large institutions to mid-size and small lenders.
Jon's commitment to compliance and his wealth of experience in making referral and targeting decisions have been instrumental in shaping fair lending enforcement strategies. His pivotal role as the architect of the Combating Redlining Initiative underscores his dedication to spearheading proactive measures to eradicate redlining practices and expand access to credit in underserved communities.
Jon's contributions to civil rights enforcement have earned him prestigious awards and recognition throughout his career. He was honored with the John Doar Award in 2022, the Civil Rights Division's highest accolade, in recognition of his exemplary service. Additionally, Jon was a finalist for the 2020 Service to America Medals, specifically the Paul Volcker Career Achievement award, a testament to his outstanding enforcement efforts in ensuring equitable access to credit for residents of minority communities. He has also been the recipient of the Attorney General’s Award for Distinguished Service in 2013, one of the highest honors within the Department of Justice, and the Assistant Attorney General's Distinguished Service Award in 2022, 2012, and 2011, further highlighting his exceptional contributions to the DOJ's mission.
Jon's dedication to advancing fair lending practices and his tireless advocacy for social justice continue to make a profound impact on the financial industry and communities across the nation. As President and Founder of Win-Win Solutions, he is passionate and committed to creating positive change and fostering inclusive homeownership opportunities for all.
Jon lives in Maryland with his wife of 37 years. He has two children and enjoys spending time with his granddaughter and granddog.