Assess whether comparative files show second-review bias from mortgage

SITUATION Exam-response coordinator in an institution preparing for a redlining exam has one working extract — mortgage pricing residual by prohibited-basis group — after a board asking if the bank should settle a matched-pair study. If mortgage pricing residual by prohibited-basis group cannot support comparative files show second-review, the only defensible Fair Lending output is hold.

DECISION Exam-response coordinator 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 mortgage pricing residual by prohibited-basis group after a board asking if the bank should settle a matched-pair study.

HYPOTHESES TO TEST 1. Authorize Remove access or reverse the item now; mortgage pricing residual by prohibited-basis group already has the discriminator after a board asking if the bank should settle a matched-pair study. 2. Keep Temporary compensating control in force until mortgage pricing residual by prohibited-basis group is completed after a board asking if the bank should settle a matched-pair study for exam-response coordinator. 3. Treat mortgage pricing residual by prohibited-basis group as Approve a documented exception because both readings appear after a board asking if the bank should settle a matched-pair study. 4. Refuse a Fair Lending close: exam-response coordinator does not have the decision comparative files show second-review turns on in mortgage pricing residual by prohibited-basis group.

ANALYSIS REQUIRED 1. Flag any disparate-impact table exam-response coordinator cannot explain from mortgage pricing residual by prohibited-basis group. 2. Test a documented exception versus a pattern an institution preparing for a redlining exam must defend. 3. Match the adverse-action language to the facts in mortgage pricing residual by prohibited-basis group. 4. For this Fair Lending Pricing and Credit Limits file, read mortgage pricing residual by prohibited-basis group against a board asking if the bank should settle a matched-pair study and write the one fact that would move comparative files show second-review for exam-response coordinator.

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 (mortgage pricing residual by prohibited-basis group after a board asking if the bank should settle a matched-pair study). The follow-on Pricing and Credit Limits action is what exam-response coordinator does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fair Lending option on comparative files show second-review, then the evidence in mortgage pricing residual by prohibited-basis group, then the action for exam-response coordinator - Hypothesis scorecard against mortgage pricing residual by prohibited-basis group: supported / rejected / untestable - What changes comparative files show second-review if a board asking if the bank should settle a matched-pair study is later withdrawn - Named option among Remove access or reverse the item, Temporary compensating control, Approve a documented exception and the fact that kills the others