Assess whether line assignments have a disparate impact the bank will defend

SITUATION The working file is adverse-action notice principal-reason sample after an underwriter chat that used coded language. Fair-lending officer in a manufactured-housing lender with dealer-originated files has to name Remove access or reverse the item or Temporary compensating control for this Fair Lending Redlining and HMDA Data file.

DECISION Fair-lending officer in a manufactured-housing lender with dealer-originated files must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using adverse-action notice principal-reason sample after an underwriter chat that used coded language.

HYPOTHESES TO TEST 1. Fair-lending officer can defend Remove access or reverse the item from adverse-action notice principal-reason sample after an underwriter chat that used coded language in a Fair Lending challenge. 2. Fair-lending officer cannot defend Remove access or reverse the item from adverse-action notice principal-reason sample; Temporary compensating control is what the extract actually supports after an underwriter chat that used coded language. 3. An underwriter chat that used coded language never reached the population in adverse-action notice principal-reason sample — reopen intake, do not close line assignments have a. 4. Two facts in adverse-action notice principal-reason sample after an underwriter chat that used coded language conflict for fair-lending officer; hold this Redlining and HMDA Data file.

ANALYSIS REQUIRED 1. Flag any disparate-impact table fair-lending officer cannot explain from adverse-action notice principal-reason sample. 2. Test a documented exception versus a pattern a manufactured-housing lender with dealer-originated files must defend. 3. Match the adverse-action language to the facts in adverse-action notice principal-reason sample. 4. For this Fair Lending Redlining and HMDA Data file, read adverse-action notice principal-reason sample against an underwriter chat that used coded language and write the one fact that would move line assignments have a for fair-lending officer.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Redlining and HMDA Data packet (adverse-action notice principal-reason sample after an underwriter chat that used coded language). Lead with the Fair Lending option adverse-action notice principal-reason sample can support after an underwriter chat that used coded language, then the two facts that force it, then the Monday action for fair-lending officer in a manufactured-housing lender with dealer-originated files.

COMMAND RETURNS - Bottom-line Fair Lending option on line assignments have a, then the evidence in adverse-action notice principal-reason sample, then the action for fair-lending officer - Hypothesis scorecard against adverse-action notice principal-reason sample: supported / rejected / untestable - Redlining and HMDA Data finding in adverse-action notice principal-reason sample that a second reviewer can re-perform - Missing page in adverse-action notice principal-reason sample after an underwriter chat that used coded language, if any