Win-Win Solutions

Win-Win Solutions, LLC is dedicated to helping all lenders transform redlining risk into valuable opportunities. Jon Seward was the Principal Deputy Chief in the Housing Section of the Civil Rights Division, United States Department of Justice, where he conceptualized and led the Combating Redlining Initiative until he retired in 2023. Government officials and members of the fair lending defense bar highly respect him. His experience has given him an expert perspective on redlining risk and achieving win-win solutions. In short, he is the perfect person to help you navigate redlining issues. Redlining risk is at an all-time high! In October 2021, the DOJ launched its Combating Redlining Initiative - the federal government's most aggressive and coordinated effort to combat redlining. Since launching this Initiative, the DOJ has resolved 13 cases with monetary relief exceeding $122 million. Since 2015, DOJ and CFPB have partnered on four redlining cases with relief exceeding $50 million and civil money penalties totaling $17.5 million. There is unprecedented coordination with the United States Attorney's Offices nationwide, with state attorneys general and other government agencies. Fair lending referrals to the DOJ from financial regulatory agencies have increased and will continue to grow. Private plaintiff attorneys have resolved redlining claims and sometimes filed lawsuits.