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Santander Consumer USA Holdings resolves fair lending investigation

Santander Consumer USA Holdings Inc. has resolved an investigation relating to fair lending laws through a confidential agreement with the Consumer Financial Protection Bureau, according to an annual 10-K filing from Santander Holdings USA Inc.

In 2015, the CFPB had referred alleged violations of the Equal Credit Opportunity Act to the Department of Justice, which started investigating alleged statistical disparities in the markups that automobile dealers charged to protected groups. The DOJ had also been looking at how the company treated certain kinds of income in its underwriting process.

But the 10-K filing said Santander Consumer has "resolved the DOJ investigation pursuant to a confidential agreement with the CFPB."

Santander Holdings also disclosed in the filing that its CEO, Scott Powell, was paid roughly $4.8 million in 2017, while the median employee's total annual compensation was $52,902. That means the CEO-to-median employee pay ratio for the company was 90.3-to-1.