Assess whether notices match the actual decisioning reasons (de7cd8)

SITUATION A board asking if the bank should settle a matched-pair study put geographic application and origination heat map in front of CRA strategist in a mortgage company after a pricing-regression spike. This Fair Lending / CRA and Special-Purpose Programs close is notices match the actual from geographic application and origination heat map, and the live options are Remove access or reverse the item, Temporary compensating control, Approve a documented exception.

DECISION CRA strategist 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 geographic application and origination heat map after a board asking if the bank should settle a matched-pair study.

HYPOTHESES TO TEST 1. Authorize Remove access or reverse the item now; geographic application and origination heat map already has the discriminator after a board asking if the bank should settle a matched-pair study. 2. Keep Temporary compensating control in force until geographic application and origination heat map is completed after a board asking if the bank should settle a matched-pair study for CRA strategist. 3. Treat geographic application and origination heat map as Approve a documented exception because both readings appear after a board asking if the bank should settle a matched-pair study. 4. Refuse a Fair Lending close: CRA strategist does not have the decision notices match the actual turns on in geographic application and origination heat map.

ANALYSIS REQUIRED 1. Check HMDA coding and underwriting policy against notices match the actual. 2. Compare geographic application and origination heat map to similarly situated files, second-review notes, and reason codes after a board asking if the bank should settle a matched-pair study. 3. Flag any disparate-impact table CRA strategist cannot explain from geographic application and origination heat map. 4. For this Fair Lending CRA and Special-Purpose Programs file, read geographic application and origination heat map against a board asking if the bank should settle a matched-pair study and write the one fact that would move notices match the actual for CRA strategist.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / CRA and Special-Purpose Programs packet (geographic application and origination heat map after a board asking if the bank should settle a matched-pair study). Lead with the Fair Lending option geographic application and origination heat map can support after a board asking if the bank should settle a matched-pair study, then the two facts that force it, then the Monday action for CRA strategist in a mortgage company after a pricing-regression spike.