Assess whether notices match the actual decisioning reasons (7f8c67)

SITUATION Examination and Notices work in a small-business desk using a new vendor score now turns on notices match the actual because a community complaint about appraisal gaps put mortgage pricing residual by prohibited-basis group in play. Examination and Notices work in a small-business desk using a new vendor score now turns on notices match the actual because a community complaint about appraisal gaps put mortgage pricing residual by prohibited-basis group in play; HMDA data-quality manager should say what mortgage pricing residual by prohibited-basis group proves for Fair Lending.

DECISION HMDA data-quality manager in a small-business desk using a new vendor score must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using mortgage pricing residual by prohibited-basis group after a community complaint about appraisal gaps.

HYPOTHESES TO TEST 1. The population in mortgage pricing residual by prohibited-basis group is the one a community complaint about appraisal gaps named, so Remove access or reverse the item follows for this Examination and Notices file. 2. The population in mortgage pricing residual by prohibited-basis group is adjacent only to a community complaint about appraisal gaps; Temporary compensating control is the honest Fair Lending call. 3. A small-business desk using a new vendor score already contained a community complaint about appraisal gaps before mortgage pricing residual by prohibited-basis group arrived; no new Examination and Notices path. 4. Provenance on mortgage pricing residual by prohibited-basis group after a community complaint about appraisal gaps is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

ANALYSIS REQUIRED 1. Check HMDA coding and underwriting policy against notices match the actual. 2. Compare mortgage pricing residual by prohibited-basis group to similarly situated files, second-review notes, and reason codes after a community complaint about appraisal gaps. 3. Flag any disparate-impact table HMDA data-quality manager cannot explain from mortgage pricing residual by prohibited-basis group. 4. For this Fair Lending Examination and Notices file, read mortgage pricing residual by prohibited-basis group against a community complaint about appraisal gaps and write the one fact that would move notices match the actual for HMDA data-quality manager.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Examination and Notices packet (mortgage pricing residual by prohibited-basis group after a community complaint about appraisal gaps). Lead with the Fair Lending option mortgage pricing residual by prohibited-basis group can support after a community complaint about appraisal gaps, then the two facts that force it, then the Monday action for HMDA data-quality manager in a small-business desk using a new vendor score.