Assess whether notices match the actual decisioning reasons (fe29a1)

SITUATION CRA strategist is responsible for notices match the actual in a mortgage company after a pricing-regression spike, using geographic application and origination heat map as the only working extract. A SPCP that originated almost no loans to the intended class is what reset the timeline for this Fair Lending CRA and Special-Purpose Programs file.

DECISION CRA strategist 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 geographic application and origination heat map after a SPCP that originated almost no loans to the intended class.

HYPOTHESES TO TEST 1. The population in geographic application and origination heat map is the one a SPCP that originated almost no loans to the intended class named, so Remove access or reverse the item follows for this CRA and Special-Purpose Programs file. 2. The population in geographic application and origination heat map is adjacent only to a SPCP that originated almost no loans to the intended class; Temporary compensating control is the honest Fair Lending call. 3. A mortgage company after a pricing-regression spike already contained a SPCP that originated almost no loans to the intended class before geographic application and origination heat map arrived; no new CRA and Special-Purpose Programs path. 4. Provenance on geographic application and origination heat map after a SPCP that originated almost no loans to the intended class is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

ANALYSIS REQUIRED 1. Compare geographic application and origination heat map to similarly situated files, second-review notes, and reason codes after a SPCP that originated almost no loans to the intended class. 2. Flag any disparate-impact table CRA strategist cannot explain from geographic application and origination heat map. 3. Test a documented exception versus a pattern a mortgage company after a pricing-regression spike must defend. 4. For this Fair Lending CRA and Special-Purpose Programs file, read geographic application and origination heat map against a SPCP that originated almost no loans to the intended class and write the one fact that would move notices match the actual for CRA strategist.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / CRA and Special-Purpose Programs packet (geographic application and origination heat map after a SPCP that originated almost no loans to the intended class). Lead with the Fair Lending option geographic application and origination heat map 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 CRA strategist in a mortgage company after a pricing-regression spike.