Assess whether the exam response should concede a finding (8b59bb)

SITUATION A notice that cites 'other' as the principal reason 40% of the time put underwriting exception log by branch in front of CRA strategist in an institution preparing for a redlining exam. This Fair Lending / Redlining and HMDA Data decision is the exam response should from underwriting exception log by branch, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

DECISION CRA strategist in an institution preparing for a redlining exam must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using underwriting exception log by branch after a notice that cites 'other' as the principal reason 40% of the time.

HYPOTHESES TO TEST 1. Authorize Remove access or reverse the item now; underwriting exception log by branch already has the discriminator after a notice that cites 'other' as the principal reason 40% of the time. 2. Keep Temporary compensating control in force until underwriting exception log by branch is completed after a notice that cites 'other' as the principal reason 40% of the time for CRA strategist. 3. Treat underwriting exception log by branch as Approve a documented exception because both readings appear after a notice that cites 'other' as the principal reason 40% of the time. 4. Refuse a Fair Lending close: CRA strategist does not have the decision the exam response should turns on in underwriting exception log by branch.

ANALYSIS REQUIRED 1. Compare underwriting exception log by branch to similarly situated files, second-review notes, and reason codes after a notice that cites 'other' as the principal reason 40% of the time. 2. Flag any disparate-impact table CRA strategist cannot explain from underwriting exception log by branch. 3. Test a documented exception versus a pattern an institution preparing for a redlining exam must defend. 4. For this Fair Lending Redlining and HMDA Data file, read underwriting exception log by branch against a notice that cites 'other' as the principal reason 40% of the time and write the one fact that would move the exam response should for CRA strategist.

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 (underwriting exception log by branch after a notice that cites 'other' as the principal reason 40% of the time). Lead with the Fair Lending option underwriting exception log by branch 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 CRA strategist in an institution preparing for a redlining exam.