Assess whether line assignments have a disparate impact the bank will defend

SITUATION Pricing and Credit Limits work in a credit-card issuer changing line-assignment logic now turns on line assignments have a because a notice that cites 'other' as the principal reason 40% of the time put geographic application and origination heat map in play. Second-review underwriter should say what geographic application and origination heat map proves.

DECISION Second-review underwriter in a credit-card issuer changing line-assignment logic must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using geographic application and origination heat map after a notice that cites 'other' as the principal reason 40% of the time.

HYPOTHESES TO TEST 1. Geographic application and origination heat map reads as Remove access or reverse the item once a notice that cites 'other' as the principal reason 40% of the time is lined up to the same Fair Lending population. 2. Geographic application and origination heat map is closer to Temporary compensating control after a notice that cites 'other' as the principal reason 40% of the time; Remove access or reverse the item would over-claim this Pricing and Credit Limits extract. 3. Approve a documented exception is still live in geographic application and origination heat map for second-review underwriter in a credit-card issuer changing line-assignment logic. 4. Geographic application and origination heat map is missing the fact second-review underwriter needs after a notice that cites 'other' as the principal reason 40% of the time; stop this Fair Lending close.

ANALYSIS REQUIRED 1. Test a documented exception versus a pattern a credit-card issuer changing line-assignment logic must defend. 2. Match the adverse-action language to the facts in geographic application and origination heat map. 3. Check HMDA coding and underwriting policy against line assignments have a. 4. For this Fair Lending Pricing and Credit Limits file, read geographic application and origination heat map against a notice that cites 'other' as the principal reason 40% of the time and write the one fact that would move line assignments have a for second-review underwriter.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Pricing and Credit Limits packet (geographic application and origination heat map after a notice that cites 'other' as the principal reason 40% of the time). Lead with the Fair Lending option geographic application and origination heat map can support after a notice that cites 'other' as the principal reason 40% of the time, then the two facts that force it, then the Monday action for second-review underwriter in a credit-card issuer changing line-assignment logic.