Exam-response coordinator must resolve whether the CRA plan is strategy

Situation

Exam-response coordinator in an institution preparing for a redlining exam has one working extract — credit-card limit assignment disparity table — after a branch that stopped taking applications in one ZIP. If credit-card limit assignment disparity table cannot support the CRA plan is, the honest Fair Lending output is hold.

Decision

Exam-response coordinator in an institution preparing for a redlining exam must choose The CRA plan is strategy / Window dressing using credit-card limit assignment disparity table after a branch that stopped taking applications in one ZIP.

Hypotheses to test

• Credit-card limit assignment disparity table reads as The CRA plan is strategy once a branch that stopped taking applications in one ZIP is lined up to the same Fair Lending population.
• Credit-card limit assignment disparity table is closer to Window dressing after a branch that stopped taking applications in one ZIP; The CRA plan is strategy would over-claim this Pricing and Credit Limits extract.
• A dual reading is still live in credit-card limit assignment disparity table for exam-response coordinator in an institution preparing for a redlining exam.
• Credit-card limit assignment disparity table is missing the fact exam-response coordinator needs after a branch that stopped taking applications in one ZIP; stop this Fair Lending close.

Analysis required

• Test a documented exception versus a pattern an institution preparing for a redlining exam must defend.
• Match the adverse-action language to the facts in credit-card limit assignment disparity table.
• Check HMDA coding and underwriting policy against the CRA plan is.
• For this Fair Lending Pricing and Credit Limits file, read credit-card limit assignment disparity table against a branch that stopped taking applications in one ZIP and write the one fact that would move the CRA plan is for exam-response coordinator.

Recommendation

Choose The CRA plan is strategy / Window dressing on this Fair Lending / Pricing and Credit Limits packet (credit-card limit assignment disparity table after a branch that stopped taking applications in one ZIP). If credit-card limit assignment disparity table cannot force a Fair Lending label under Pricing and Credit Limits, stop. Do not invent pages an institution preparing for a redlining exam does not have.