Assess whether the CRA plan is strategy or window dressing from credit-card

SITUATION The working file is credit-card limit assignment disparity table after a board asking if the bank should settle a matched-pair study. Second-review underwriter in a credit-card issuer changing line-assignment logic has to name The CRA plan is strategy or Window dressing for this Fair Lending Pricing and Credit Limits file.

DECISION Second-review underwriter in a credit-card issuer changing line-assignment logic must choose The CRA plan is strategy / Window dressing using credit-card limit assignment disparity table after a board asking if the bank should settle a matched-pair study.

HYPOTHESES TO TEST 1. Credit-card limit assignment disparity table reads as The CRA plan is strategy once a board asking if the bank should settle a matched-pair study is lined up to the same Fair Lending population. 2. Credit-card limit assignment disparity table is closer to Window dressing after a board asking if the bank should settle a matched-pair study; The CRA plan is strategy would over-claim this Pricing and Credit Limits extract. 3. A dual reading is still live in credit-card limit assignment disparity table for second-review underwriter in a credit-card issuer changing line-assignment logic. 4. Credit-card limit assignment disparity table is missing the fact second-review underwriter needs after a board asking if the bank should settle a matched-pair study; stop this Fair Lending close.

ANALYSIS REQUIRED 1. Match the adverse-action language to the facts in credit-card limit assignment disparity table. 2. Check HMDA coding and underwriting policy against the CRA plan is. 3. Compare credit-card limit assignment disparity table to similarly situated files, second-review notes, and reason codes after a board asking if the bank should settle a matched-pair study. 4. For this Fair Lending Pricing and Credit Limits file, read credit-card limit assignment disparity table against a board asking if the bank should settle a matched-pair study and write the one fact that would move the CRA plan is for second-review underwriter.

RECOMMENDATION Choose The CRA plan is strategy / Window dressing on this Fair Lending / Pricing and Credit Limits packet (credit-card limit assignment disparity table after a board asking if the bank should settle a matched-pair study). The follow-on Pricing and Credit Limits action is what second-review underwriter does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fair Lending option on the CRA plan is, then the evidence in credit-card limit assignment disparity table, then the action for second-review underwriter - Hypothesis scorecard against credit-card limit assignment disparity table: supported / rejected / untestable - Named option among The CRA plan is strategy, Window dressing and the fact that kills the others - Owner and next date for second-review underwriter in a credit-card issuer changing line-assignment logic