Assess whether to pause a product pending a lookback (f7e6c3)

SITUATION Exam-response coordinator is responsible for to pause a product in a mortgage company after a pricing-regression spike, using credit-card limit assignment disparity table 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 Examination and Notices file.

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 SPCP that originated almost no loans to the intended class.

HYPOTHESES TO TEST 1. Credit-card limit assignment disparity table reads as Remove access or reverse the item once a SPCP that originated almost no loans to the intended class is lined up to the same Fair Lending population. 2. Credit-card limit assignment disparity table is closer to Temporary compensating control after a SPCP that originated almost no loans to the intended class; Remove access or reverse the item would over-claim this Examination and Notices extract. 3. Approve a documented exception is still live in credit-card limit assignment disparity table for exam-response coordinator in a mortgage company after a pricing-regression spike. 4. Credit-card limit assignment disparity table is missing the fact exam-response coordinator needs after a SPCP that originated almost no loans to the intended class; stop this Fair Lending close.

ANALYSIS REQUIRED 1. Compare credit-card limit assignment disparity table 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 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 SPCP that originated almost no loans to the intended class and write the one fact that would move to pause a product 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 SPCP that originated almost no loans to the intended class). Lead with the Fair Lending option credit-card limit assignment disparity table 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 mortgage company after a pricing-regression spike.