Assess whether a redlining pattern exists after controls (c1368d)

Situation

Fair-lending officer owns a redlining pattern exists inside a manufactured-housing lender with dealer-originated files with model-reason-code mapping that does not match notices as the only packet. A board asking if the bank should settle a matched-pair study is what changed the clock for this Fair Lending Redlining and HMDA Data file.

Decision

Fair-lending officer in a manufactured-housing lender with dealer-originated files must choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold using model-reason-code mapping that does not match notices after a board asking if the bank should settle a matched-pair study.

Hypotheses to test

• Fair-lending officer can defend Remove access or reverse the item from model-reason-code mapping that does not match notices after a board asking if the bank should settle a matched-pair study in a Fair Lending challenge.
• Fair-lending officer cannot defend Remove access or reverse the item from model-reason-code mapping that does not match notices; Temporary compensating control is what the extract actually supports after a board asking if the bank should settle a matched-pair study.
• A board asking if the bank should settle a matched-pair study never reached the population in model-reason-code mapping that does not match notices — reopen intake, do not close a redlining pattern exists.
• Two facts in model-reason-code mapping that does not match notices after a board asking if the bank should settle a matched-pair study conflict for fair-lending officer; hold this Redlining and HMDA Data file.

Analysis required

• Check HMDA coding and underwriting policy against a redlining pattern exists.
• Compare model-reason-code mapping that does not match notices to similarly situated files, second-review notes, and reason codes after a board asking if the bank should settle a matched-pair study.
• Flag any disparate-impact table fair-lending officer cannot explain from model-reason-code mapping that does not match notices.
• For this Fair Lending Redlining and HMDA Data file, read model-reason-code mapping that does not match notices 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 fair-lending officer.