Assess whether a special-purpose program is well designed or a pretext

Situation

Redlining and HMDA Data work in a credit-card issuer changing line-assignment logic now turns on a special-purpose program is because a board asking if the bank should settle a matched-pair study put appraisal-gap outcomes in majority-minority tracts in play. HMDA data-quality manager should say what appraisal-gap outcomes in majority-minority tracts proves.

Decision

HMDA data-quality manager in a credit-card issuer changing line-assignment logic must choose A special-purpose program is well designed / A pretext using appraisal-gap outcomes in majority-minority tracts after a board asking if the bank should settle a matched-pair study.

Hypotheses to test

• Authorize A special-purpose program is well designed now; appraisal-gap outcomes in majority-minority tracts already has the discriminator after a board asking if the bank should settle a matched-pair study.
• Keep A pretext in force until appraisal-gap outcomes in majority-minority tracts is completed after a board asking if the bank should settle a matched-pair study for HMDA data-quality manager.
• Treat appraisal-gap outcomes in majority-minority tracts as A special-purpose program is well designed because both readings appear after a board asking if the bank should settle a matched-pair study.
• Refuse a Fair Lending close: HMDA data-quality manager does not have the page a special-purpose program is turns on in appraisal-gap outcomes in majority-minority tracts.

Analysis required

• Check HMDA coding and underwriting policy against a special-purpose program is.
• Compare appraisal-gap outcomes in majority-minority tracts to similarly situated files, second-review notes, and reason codes after a board asking if the bank should settle a matched-pair study.
• Flag any disparate-impact table HMDA data-quality manager cannot explain from appraisal-gap outcomes in majority-minority tracts.
• For this Fair Lending Redlining and HMDA Data file, read appraisal-gap outcomes in majority-minority tracts against a board asking if the bank should settle a matched-pair study and write the one fact that would move a special-purpose program is for HMDA data-quality manager.

Recommendation

Choose A special-purpose program is well designed / A pretext on this Fair Lending / Redlining and HMDA Data packet (appraisal-gap outcomes in majority-minority tracts after a board asking if the bank should settle a matched-pair study). The follow-on Redlining and HMDA Data action is what HMDA data-quality manager does next: implement the option, assign an owner, and log the missing fact.