Assess whether a special-purpose program is well designed or a pretext

Situation

CRA strategist owns a special-purpose program is inside an institution preparing for a redlining exam with HMDA LAR validity and quality edits as the only packet. A branch that stopped taking applications in one ZIP is what changed the clock for this Fair Lending Redlining and HMDA Data file.

Decision

CRA strategist in an institution preparing for a redlining exam must choose A special-purpose program is well designed / A pretext using HMDA LAR validity and quality edits after a branch that stopped taking applications in one ZIP.

Hypotheses to test

• HMDA LAR validity and quality edits reads as A special-purpose program is well designed once a branch that stopped taking applications in one ZIP is lined up to the same Fair Lending population.
• HMDA LAR validity and quality edits is closer to A pretext after a branch that stopped taking applications in one ZIP; A special-purpose program is well designed would over-claim this Redlining and HMDA Data extract.
• A dual reading is still live in HMDA LAR validity and quality edits for CRA strategist in an institution preparing for a redlining exam.
• HMDA LAR validity and quality edits is missing the fact CRA strategist needs after a branch that stopped taking applications in one ZIP; stop this Fair Lending close.

Analysis required

• Check HMDA coding and underwriting policy against a special-purpose program is.
• Compare HMDA LAR validity and quality edits to similarly situated files, second-review notes, and reason codes after a branch that stopped taking applications in one ZIP.
• Flag any disparate-impact table CRA strategist cannot explain from HMDA LAR validity and quality edits.
• For this Fair Lending Redlining and HMDA Data file, read HMDA LAR validity and quality edits against a branch that stopped taking applications in one ZIP and write the one fact that would move a special-purpose program is for CRA strategist.

Recommendation

Choose A special-purpose program is well designed / A pretext on this Fair Lending / Redlining and HMDA Data packet (HMDA LAR validity and quality edits after a branch that stopped taking applications in one ZIP). The follow-on Redlining and HMDA Data action is what CRA strategist does next: implement the option, assign an owner, and log the missing fact.