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

SITUATION A DOJ or CFPB monitor request for pricing files put underwriting exception log by branch in front of fair-lending officer in a mortgage company after a pricing-regression spike. This Fair Lending / Pricing and Credit Limits decision is a special-purpose program is from underwriting exception log by branch, and the live options are A special-purpose program is well designed, A pretext.

DECISION Fair-lending officer in a mortgage company after a pricing-regression spike must choose A special-purpose program is well designed / A pretext using underwriting exception log by branch after a DOJ or CFPB monitor request for pricing files.

HYPOTHESES TO TEST 1. The population in underwriting exception log by branch is the one a DOJ or CFPB monitor request for pricing files named, so A special-purpose program is well designed follows for this Pricing and Credit Limits file. 2. The population in underwriting exception log by branch is adjacent only to a DOJ or CFPB monitor request for pricing files; A pretext is the honest Fair Lending call. 3. A mortgage company after a pricing-regression spike already contained a DOJ or CFPB monitor request for pricing files before underwriting exception log by branch arrived; no new Pricing and Credit Limits path. 4. Provenance on underwriting exception log by branch after a DOJ or CFPB monitor request for pricing files is broken; do not pick A special-purpose program is well designed or A pretext yet.

ANALYSIS REQUIRED 1. Flag any disparate-impact table fair-lending officer cannot explain from underwriting exception log by branch. 2. Test a documented exception versus a pattern a mortgage company after a pricing-regression spike must defend. 3. Match the adverse-action language to the facts in underwriting exception log by branch. 4. For this Fair Lending Pricing and Credit Limits file, read underwriting exception log by branch against a DOJ or CFPB monitor request for pricing files and write the one fact that would move a special-purpose program is for fair-lending officer.

RECOMMENDATION Choose A special-purpose program is well designed / A pretext on this Fair Lending / Pricing and Credit Limits packet (underwriting exception log by branch after a DOJ or CFPB monitor request for pricing files). The follow-on Pricing and Credit Limits action is what fair-lending officer does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fair Lending option on a special-purpose program is, then the evidence in underwriting exception log by branch, then the action for fair-lending officer - Hypothesis scorecard against underwriting exception log by branch: supported / rejected / untestable - Named option among A special-purpose program is well designed, A pretext and the fact that kills the others - Owner and next date for fair-lending officer in a mortgage company after a pricing-regression spike