Assess whether notices match the actual decisioning reasons (d40bc8)

SITUATION In a mortgage company after a pricing-regression spike, credit-card limit assignment disparity table is the only Examination and Notices extract after a vendor score change with no disparate-impact test that exam-response coordinator can use for notices match the actual. Exam-response coordinator has to pick Remove access or reverse the item or Temporary compensating control for this Fair Lending Examination and Notices close using credit-card limit assignment disparity table.

DECISION Exam-response coordinator in a mortgage company after a pricing-regression spike must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using credit-card limit assignment disparity table after a vendor score change with no disparate-impact test.

HYPOTHESES TO TEST 1. Authorize Remove access or reverse the item now; credit-card limit assignment disparity table already has the discriminator after a vendor score change with no disparate-impact test. 2. Keep Temporary compensating control in force until credit-card limit assignment disparity table is completed after a vendor score change with no disparate-impact test for exam-response coordinator. 3. Treat credit-card limit assignment disparity table as Approve a documented exception because both readings appear after a vendor score change with no disparate-impact test. 4. Refuse a Fair Lending close: exam-response coordinator does not have the decision notices match the actual turns on in credit-card limit assignment disparity table.

ANALYSIS REQUIRED 1. Compare credit-card limit assignment disparity table to similarly situated files, second-review notes, and reason codes after a vendor score change with no disparate-impact test. 2. Flag any disparate-impact table exam-response coordinator cannot explain from credit-card limit assignment disparity table. 3. Test a documented exception versus a pattern a mortgage company after a pricing-regression spike must defend. 4. For this Fair Lending Examination and Notices file, read credit-card limit assignment disparity table against a vendor score change with no disparate-impact test and write the one fact that would move notices match the actual for exam-response coordinator.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Examination and Notices packet (credit-card limit assignment disparity table after a vendor score change with no disparate-impact test). The follow-on Examination and Notices action is what exam-response coordinator does next: implement the option, assign an owner, and log the missing fact.