Assess whether the exam response should concede a finding (57b6b4)

SITUATION After an underwriter chat that used coded language, underwriting exception log by branch is what fair-lending officer can touch in an institution preparing for a redlining exam. Fair Lending will live with Remove access or reverse the item versus Temporary compensating control on this Examination and Notices file.

DECISION Fair-lending officer 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 an underwriter chat that used coded language.

HYPOTHESES TO TEST 1. Fair-lending officer can defend Remove access or reverse the item from underwriting exception log by branch after an underwriter chat that used coded language in a Fair Lending challenge. 2. Fair-lending officer cannot defend Remove access or reverse the item from underwriting exception log by branch; Temporary compensating control is what the extract actually supports after an underwriter chat that used coded language. 3. An underwriter chat that used coded language never reached the population in underwriting exception log by branch — reopen intake, do not close the exam response should. 4. Two facts in underwriting exception log by branch after an underwriter chat that used coded language conflict for fair-lending officer; hold this Examination and Notices file.

ANALYSIS REQUIRED 1. Flag any disparate-impact table fair-lending officer cannot explain from underwriting exception log by branch. 2. Test a documented exception versus a pattern an institution preparing for a redlining exam must defend. 3. Match the adverse-action language to the facts in underwriting exception log by branch. 4. For this Fair Lending Examination and Notices file, read underwriting exception log by branch against an underwriter chat that used coded language and write the one fact that would move the exam response should for fair-lending officer.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Examination and Notices packet (underwriting exception log by branch after an underwriter chat that used coded language). Lead with the Fair Lending option underwriting exception log by branch can support after an underwriter chat that used coded language, then the two facts that force it, then the Monday action for fair-lending officer in an institution preparing for a redlining exam.

COMMAND RETURNS - Bottom-line Fair Lending option on the exam response should, then the evidence in underwriting exception log by branch, then the action for fair-lending officer - Hypothesis scorecard against underwriting exception log by branch: supported / rejected / untestable - Owner and next date for fair-lending officer in an institution preparing for a redlining exam - What changes the exam response should if an underwriter chat that used coded language is later withdrawn