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

Situation

HMDA data-quality manager owns a special-purpose program is inside a credit-card issuer changing line-assignment logic with geographic application and origination heat map as the only packet. A DOJ or CFPB monitor request for pricing files is what changed the clock for this Fair Lending Redlining and HMDA Data file.

Decision

HMDA data-quality manager in a credit-card issuer changing line-assignment logic must choose A special-purpose program is well designed / A pretext using geographic application and origination heat map after a DOJ or CFPB monitor request for pricing files.

Hypotheses to test

• The population in geographic application and origination heat map is the one a DOJ or CFPB monitor request for pricing files named, so A special-purpose program is well designed follows for this Redlining and HMDA Data file.
• The population in geographic application and origination heat map is adjacent only to a DOJ or CFPB monitor request for pricing files; A pretext is the honest Fair Lending call.
• A credit-card issuer changing line-assignment logic already contained a DOJ or CFPB monitor request for pricing files before geographic application and origination heat map arrived; no new Redlining and HMDA Data path.
• Provenance on geographic application and origination heat map 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

• Compare geographic application and origination heat map to similarly situated files, second-review notes, and reason codes after a DOJ or CFPB monitor request for pricing files.
• Flag any disparate-impact table HMDA data-quality manager cannot explain from geographic application and origination heat map.
• Test a documented exception versus a pattern a credit-card issuer changing line-assignment logic must defend.
• For this Fair Lending Redlining and HMDA Data file, read geographic application and origination heat map against a DOJ or CFPB monitor request for pricing files and write the one fact that would move a special-purpose program is for HMDA data-quality manager.

Recommendation

Choose A special-purpose program is well designed / A pretext on this Fair Lending / Redlining and HMDA Data packet (geographic application and origination heat map after a DOJ or CFPB monitor request for pricing files). Lead with the Fair Lending option geographic application and origination heat map can support after a DOJ or CFPB monitor request for pricing files, then the two facts that force it, then the Monday action for HMDA data-quality manager in a credit-card issuer changing line-assignment logic.