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

SITUATION A community complaint about appraisal gaps put HMDA LAR validity and quality edits in front of model-risk partner for credit scoring in a small-business desk using a new vendor score. This Fair Lending / Pricing and Credit Limits close is line assignments have a from HMDA LAR validity and quality edits, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

DECISION Model-risk partner for credit scoring in a small-business desk using a new vendor score must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using HMDA LAR validity and quality edits after a community complaint about appraisal gaps.

HYPOTHESES TO TEST 1. HMDA LAR validity and quality edits reads as Remove access or reverse the item once a community complaint about appraisal gaps is lined up to the same Fair Lending population. 2. HMDA LAR validity and quality edits is closer to Temporary compensating control after a community complaint about appraisal gaps; Remove access or reverse the item would over-claim this Pricing and Credit Limits extract. 3. Approve a documented exception is still live in HMDA LAR validity and quality edits for model-risk partner for credit scoring in a small-business desk using a new vendor score. 4. HMDA LAR validity and quality edits is missing the fact model-risk partner for credit scoring needs after a community complaint about appraisal gaps; stop this Fair Lending close.

ANALYSIS REQUIRED 1. Test a documented exception versus a pattern a small-business desk using a new vendor score must defend. 2. Match the adverse-action language to the facts in HMDA LAR validity and quality edits. 3. Check HMDA coding and underwriting policy against line assignments have a. 4. For this Fair Lending Pricing and Credit Limits file, read HMDA LAR validity and quality edits against a community complaint about appraisal gaps and write the one fact that would move line assignments have a for model-risk partner for credit scoring.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Pricing and Credit Limits packet (HMDA LAR validity and quality edits after a community complaint about appraisal gaps). The follow-on Pricing and Credit Limits action is what model-risk partner for credit scoring does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fair Lending option on line assignments have a, then the evidence in HMDA LAR validity and quality edits, then the action for model-risk partner for credit scoring - Hypothesis scorecard against HMDA LAR validity and quality edits: supported / rejected / untestable - Pricing and Credit Limits finding in HMDA LAR validity and quality edits that a second reviewer can re-perform - Missing page in HMDA LAR validity and quality edits after a community complaint about appraisal gaps, if any