Farmers & Merchants Bancorp, Inc. (FMAO) has disclosed a new risk, in the Regulation category.
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Farmers & Merchants Bancorp, Inc. faces significant business risks due to its obligations under consumer protection, fair lending, and Community Reinvestment Act (CRA) regulations. The modernization of CRA and evolving fair-lending expectations could necessitate changes in their operational areas, data management, and governance structures. The reliance on models or analytics for pricing, marketing, or underwriting poses additional risks if not adequately controlled, potentially leading to regulatory criticism, financial penalties, or reputational damage. Failure to meet these supervisory expectations could also result in restrictions on the company’s growth or business activities.
Overall, Wall Street has a Hold consensus rating on FMAO stock based on 1 Hold.
To learn more about Farmers & Merchants Bancorp, Inc.’s risk factors, click here.