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

SITUATION The working file is underwriting exception log by branch after a marketing mailer that skipped majority-minority tracts. Fair-lending officer in an institution preparing for a redlining exam has to name Remove access or reverse the item or Temporary compensating control for this Fair Lending Examination and Notices file.

DECISION Fair-lending officer in an institution preparing for a redlining exam must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using underwriting exception log by branch after a marketing mailer that skipped majority-minority tracts.

HYPOTHESES TO TEST 1. Underwriting exception log by branch reads as Remove access or reverse the item once a marketing mailer that skipped majority-minority tracts is lined up to the same Fair Lending population. 2. Underwriting exception log by branch is closer to Temporary compensating control after a marketing mailer that skipped majority-minority tracts; Remove access or reverse the item would over-claim this Examination and Notices extract. 3. Approve a documented exception is still live in underwriting exception log by branch for fair-lending officer in an institution preparing for a redlining exam. 4. Underwriting exception log by branch is missing the fact fair-lending officer needs after a marketing mailer that skipped majority-minority tracts; stop this Fair Lending close.

ANALYSIS REQUIRED 1. Match the adverse-action language to the facts in underwriting exception log by branch. 2. Check HMDA coding and underwriting policy against line assignments have a. 3. Compare underwriting exception log by branch to similarly situated files, second-review notes, and reason codes after a marketing mailer that skipped majority-minority tracts. 4. For this Fair Lending Examination and Notices file, read underwriting exception log by branch against a marketing mailer that skipped majority-minority tracts 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 / Examination and Notices packet (underwriting exception log by branch after a marketing mailer that skipped majority-minority tracts). Lead with the Fair Lending option underwriting exception log by branch can support after a marketing mailer that skipped majority-minority tracts, then the two facts that force it, then the Monday action for fair-lending officer in an institution preparing for a redlining exam.

COMMAND RETURNS - Bottom-line Fair Lending option on line assignments have a, then the evidence in underwriting exception log by branch, then the action for fair-lending officer - Hypothesis scorecard against underwriting exception log by branch: supported / rejected / untestable - Owner and next date for fair-lending officer in an institution preparing for a redlining exam - What changes line assignments have a if a marketing mailer that skipped majority-minority tracts is later withdrawn