Assess whether a redlining pattern exists after controls (1c9926)

Situation

Community-development lender in a mortgage company after a pricing-regression spike has one working extract — credit-card limit assignment disparity table — after a board asking if the bank should settle a matched-pair study. If credit-card limit assignment disparity table cannot support a redlining pattern exists, the honest 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 credit-card limit assignment disparity table after a board asking if the bank should settle a matched-pair study.

Hypotheses to test

• The population in credit-card limit assignment disparity table is the one a board asking if the bank should settle a matched-pair study named, so Remove access or reverse the item follows for this Redlining and HMDA Data file.
• The population in credit-card limit assignment disparity table is adjacent only to a board asking if the bank should settle a matched-pair study; Temporary compensating control is the honest Fair Lending call.
• A mortgage company after a pricing-regression spike already contained a board asking if the bank should settle a matched-pair study before credit-card limit assignment disparity table arrived; no new Redlining and HMDA Data path.
• Provenance on credit-card limit assignment disparity table after a board asking if the bank should settle a matched-pair study is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

Analysis required

• Flag any disparate-impact table community-development lender cannot explain from credit-card limit assignment disparity table.
• Test a documented exception versus a pattern a mortgage company after a pricing-regression spike must defend.
• Match the adverse-action language to the facts in credit-card limit assignment disparity table.
• For this Fair Lending Redlining and HMDA Data file, read credit-card limit assignment disparity table against a board asking if the bank should settle a matched-pair study and write the one fact that would move a redlining pattern exists for community-development lender.

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