Audiences built for fair lending.
FairLane is a specialized data taxonomy and storefront by Skydeo where EVERY segment is fair-lending-safe by design. No age, sex, race, religion, national origin, marital status, or public-assistance data. No income or net-worth bands. No geography finer than state or DMA. No lookalike extension. For banks, lenders and credit unions it takes the risks out of using 3rd party audiences so you can acquire new customers with peace of mind.
The FairLane promise
- Every segment passes a documented 4-step fair-lending gate
- Zero protected-class attributes, verified and re-screened quarterly
- Built for invitation-to-apply and brand marketing
- Distributed through the Skydeo Audience Marketplace (SAM)
“Fair lending segments by Skydeo.”
Our process
The 4-Step Gate
No segment reaches the storefront without clearing every step. The gate is designed to fail closed, so the burden of proof is on the segment, not on your compliance team.
- 01
Automated term screen
Every segment name, description, and construction input is scanned against a maintained lexicon of protected-class and proxy terms before it can enter the catalog.
- 02
Construction input audit
We audit the underlying signals and fail closed: if an input can't be positively confirmed as fair-lending-safe, the segment is rejected rather than published.
- 03
Human proxy review
A compliance reviewer evaluates whether any combination of signals could act as a proxy for a protected class, beyond what automated screening can catch.
- 04
Named sign-off
A named reviewer signs off with a documented, retained review trail. Every published segment is re-screened quarterly to keep the catalog current.
Transparency
What's in the store, and what never is
In the store
- Product engagement and research signals
- Purchase and category behavior
- Self-declared interests and intent
- Loyalty and membership activity
- State and DMA-level geography
- Recommended CPM on every segment
Never in the store
- Age, sex, race, religion, or national origin
- Marital status or receipt of public assistance
- Income or net-worth bands
- Credit scores or tradeline data
- Geography finer than state or DMA
- Lookalike or model-based extension
The catalog
468 segments across 18 categories
Purpose-built for bank marketing teams. Browse by category or search the full storefront.
Finance
Fair-lending-safe Finance audiences, Regulation B friendly by construction across 15 groups.
205 segmentsDemographics
Fair-lending-safe Demographics audiences, Regulation B friendly by construction across 5 groups.
50 segmentsAuto
Fair-lending-safe Auto audiences, Regulation B friendly by construction across 3 groups.
46 segmentsIn Market
Fair-lending-safe In Market audiences, Regulation B friendly by construction across 5 groups.
46 segmentsTelevision (TV) Viewership
Fair-lending-safe Television (TV) Viewership audiences, Regulation B friendly by construction.
28 segmentsHouseholdGraph
Fair-lending-safe HouseholdGraph audiences, Regulation B friendly by construction across 3 groups.
17 segmentsTravel Intenders
Fair-lending-safe Travel Intenders audiences, Regulation B friendly by construction across 2 groups.
16 segmentsSeasonal
Fair-lending-safe Seasonal audiences, Regulation B friendly by construction across 1 groups.
15 segmentsInterest
Fair-lending-safe Interest audiences, Regulation B friendly by construction across 3 groups.
14 segmentsFAQ
Questions compliance teams ask
Are FairLane segments compliant with the Equal Credit Opportunity Act and Regulation B?
FairLane segments are built to be fair-lending-safe. They contain no protected-class attributes under Regulation B: no age, sex, race, color, religion, national origin, marital status, or receipt of public assistance. They also exclude income and net-worth bands, geography finer than state or DMA, and any lookalike or model-based extension.
Can we use FairLane audiences to decide who qualifies for credit?
No. FairLane audiences are for invitation-to-apply and brand marketing only. They are not consumer report data under the FCRA and must not be used for credit eligibility, underwriting, pricing, or account management decisions.
How do you verify a segment is fair-lending-safe?
Every segment passes a documented 4-step gate: an automated protected-class term screen, a construction input audit that fails closed, a human proxy review, and a named sign-off with a retained review trail. Segments are re-screened quarterly.
What data goes into a FairLane segment?
Segments are constructed from engagement, purchase, and self-declared interest signals only. We deliberately exclude any attribute that could act as a proxy for a protected class, including income, net worth, and sub-state geography.
How are FairLane segments delivered?
FairLane is a Skydeo Audience Marketplace (SAM) storefront. Segments are activated through SAM for distribution to your preferred platforms. Pricing is shown as a recommended CPM on each segment page.
How does FairLane help with disparate impact and disparate treatment?
Disparate impact arises when a facially neutral targeting attribute disproportionately burdens a protected class; disparate treatment is treating applicants differently on a prohibited basis. FairLane removes protected-class attributes, income and net-worth bands, sub-state geography, and lookalike extension so no input can act as a proxy, and restricts use to invitation-to-apply and brand marketing so audiences stay outside eligibility decisions. See our FHA and ECOA primer for detail.
Can you provide documentation for our vendor-review file?
Yes. The FairLane FLA Compliance Attestation is a customized document certifying the fair-lending-safe construction of the specific segments or categories you use. Request one from the Attestation Center.
Give your vendor-review file a head start
Request a customized FairLane FLA Compliance Attestation certifying the fair-lending-safe construction of the exact segments and categories you plan to use.