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

SITUATION Appraisal-gap outcomes in majority-minority tracts arrived with a SPCP that originated almost no loans to the intended class for exam-response coordinator. That is a Fair Lending Redlining and HMDA Data decision on line assignments have a in a bank with thin HMDA LAR quality.

DECISION Exam-response coordinator in a bank with thin HMDA LAR quality must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using appraisal-gap outcomes in majority-minority tracts after a SPCP that originated almost no loans to the intended class.

HYPOTHESES TO TEST 1. Authorize Remove access or reverse the item now; appraisal-gap outcomes in majority-minority tracts already has the discriminator after a SPCP that originated almost no loans to the intended class. 2. Keep Temporary compensating control in force until appraisal-gap outcomes in majority-minority tracts is completed after a SPCP that originated almost no loans to the intended class for exam-response coordinator. 3. Treat appraisal-gap outcomes in majority-minority tracts as Approve a documented exception because both readings appear after a SPCP that originated almost no loans to the intended class. 4. Refuse a Fair Lending close: exam-response coordinator does not have the decision line assignments have a turns on in appraisal-gap outcomes in majority-minority tracts.

ANALYSIS REQUIRED 1. Flag any disparate-impact table exam-response coordinator cannot explain from appraisal-gap outcomes in majority-minority tracts. 2. Test a documented exception versus a pattern a bank with thin HMDA LAR quality must defend. 3. Match the adverse-action language to the facts in appraisal-gap outcomes in majority-minority tracts. 4. For this Fair Lending Redlining and HMDA Data file, read appraisal-gap outcomes in majority-minority tracts against a SPCP that originated almost no loans to the intended class 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 / Redlining and HMDA Data packet (appraisal-gap outcomes in majority-minority tracts after a SPCP that originated almost no loans to the intended class). Lead with the Fair Lending option appraisal-gap outcomes in majority-minority tracts can support after a SPCP that originated almost no loans to the intended class, then the two facts that force it, then the Monday action for exam-response coordinator in a bank with thin HMDA LAR quality.

COMMAND RETURNS - Bottom-line Fair Lending option on line assignments have a, then the evidence in appraisal-gap outcomes in majority-minority tracts, then the action for exam-response coordinator - Hypothesis scorecard against appraisal-gap outcomes in majority-minority tracts: supported / rejected / untestable - Missing page in appraisal-gap outcomes in majority-minority tracts after a SPCP that originated almost no loans to the intended class, if any - Regulatory or exam hook Redlining and HMDA Data would cite