Assess whether the exam response should concede a finding (de274d)

SITUATION Community-development lender in a mortgage company after a pricing-regression spike has one working extract — SPCP written plan versus actual originations — after a vendor score change with no disparate-impact test. If SPCP written plan versus actual originations cannot support the exam response should, the only defensible Fair Lending output is hold.

DECISION Community-development lender 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 SPCP written plan versus actual originations after a vendor score change with no disparate-impact test.

HYPOTHESES TO TEST 1. The population in SPCP written plan versus actual originations is the one a vendor score change with no disparate-impact test named, so Remove access or reverse the item follows for this Redlining and HMDA Data file. 2. The population in SPCP written plan versus actual originations is adjacent only to a vendor score change with no disparate-impact test; Temporary compensating control is the honest Fair Lending call. 3. A mortgage company after a pricing-regression spike already contained a vendor score change with no disparate-impact test before SPCP written plan versus actual originations arrived; no new Redlining and HMDA Data path. 4. Provenance on SPCP written plan versus actual originations after a vendor score change with no disparate-impact test is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

ANALYSIS REQUIRED 1. Compare SPCP written plan versus actual originations to similarly situated files, second-review notes, and reason codes after a vendor score change with no disparate-impact test. 2. Flag any disparate-impact table community-development lender cannot explain from SPCP written plan versus actual originations. 3. Test a documented exception versus a pattern a mortgage company after a pricing-regression spike must defend. 4. For this Fair Lending Redlining and HMDA Data file, read SPCP written plan versus actual originations against a vendor score change with no disparate-impact test and write the one fact that would move the exam response should for community-development lender.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Redlining and HMDA Data packet (SPCP written plan versus actual originations after a vendor score change with no disparate-impact test). Lead with the Fair Lending option SPCP written plan versus actual originations can support after a vendor score change with no disparate-impact test, then the two facts that force it, then the Monday action for community-development lender in a mortgage company after a pricing-regression spike.