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

Situation

Fair-lending officer owns a special-purpose program is inside an institution preparing for a redlining exam with mortgage pricing residual by prohibited-basis group as the only packet. A HMDA resubmission that still fails quality edits is what changed the clock for this Fair Lending Examination and Notices file.

Decision

Fair-lending officer in an institution preparing for a redlining exam must choose A special-purpose program is well designed / A pretext using mortgage pricing residual by prohibited-basis group after a HMDA resubmission that still fails quality edits.

Hypotheses to test

• Authorize A special-purpose program is well designed now; mortgage pricing residual by prohibited-basis group already has the discriminator after a HMDA resubmission that still fails quality edits.
• Keep A pretext in force until mortgage pricing residual by prohibited-basis group is completed after a HMDA resubmission that still fails quality edits for fair-lending officer.
• Treat mortgage pricing residual by prohibited-basis group as A special-purpose program is well designed because both readings appear after a HMDA resubmission that still fails quality edits.
• Refuse a Fair Lending close: fair-lending officer does not have the page a special-purpose program is turns on in mortgage pricing residual by prohibited-basis group.

Analysis required

• Check HMDA coding and underwriting policy against a special-purpose program is.
• Compare mortgage pricing residual by prohibited-basis group to similarly situated files, second-review notes, and reason codes after a HMDA resubmission that still fails quality edits.
• Flag any disparate-impact table fair-lending officer cannot explain from mortgage pricing residual by prohibited-basis group.
• For this Fair Lending Examination and Notices file, read mortgage pricing residual by prohibited-basis group against a HMDA resubmission that still fails quality edits and write the one fact that would move a special-purpose program is for fair-lending officer.

Recommendation

Choose A special-purpose program is well designed / A pretext on this Fair Lending / Examination and Notices packet (mortgage pricing residual by prohibited-basis group after a HMDA resubmission that still fails quality edits). Lead with the Fair Lending option mortgage pricing residual by prohibited-basis group can support after a HMDA resubmission that still fails quality edits, then the two facts that force it, then the Monday action for fair-lending officer in an institution preparing for a redlining exam.