Exam-response coordinator must resolve whether line assignments have

Situation

After an exception rate twice as high for one group after credit controls, underwriting exception log by branch is what exam-response coordinator can touch in an institution preparing for a redlining exam. Fair Lending will live with Remove access or reverse the item versus Temporary compensating control on this Pricing and Credit Limits file.

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 underwriting exception log by branch after an exception rate twice as high for one group after credit controls.

Hypotheses to test

• Underwriting exception log by branch reads as Remove access or reverse the item once an exception rate twice as high for one group after credit controls is lined up to the same Fair Lending population.
• Underwriting exception log by branch is closer to Temporary compensating control after an exception rate twice as high for one group after credit controls; Remove access or reverse the item would over-claim this Pricing and Credit Limits extract.
• Approve a documented exception is still live in underwriting exception log by branch for exam-response coordinator in an institution preparing for a redlining exam.
• Underwriting exception log by branch is missing the fact exam-response coordinator needs after an exception rate twice as high for one group after credit controls; stop this Fair Lending close.

Analysis required

• Check HMDA coding and underwriting policy against line assignments have a.
• Compare underwriting exception log by branch to similarly situated files, second-review notes, and reason codes after an exception rate twice as high for one group after credit controls.
• Flag any disparate-impact table exam-response coordinator cannot explain from underwriting exception log by branch.
• For this Fair Lending Pricing and Credit Limits file, read underwriting exception log by branch against an exception rate twice as high for one group after credit controls and write the one fact that would move line assignments have a 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 (underwriting exception log by branch after an exception rate twice as high for one group after credit controls). If underwriting exception log by branch cannot force a Fair Lending label under Pricing and Credit Limits, stop. Do not invent pages an institution preparing for a redlining exam does not have.