Assess whether a special-purpose program is well designed or a pretext

Situation

In a credit-card issuer changing line-assignment logic, CRA assessment-area versus lending footprint is the evidence after a branch that stopped taking applications in one ZIP. Model-risk partner for credit scoring has to pick A special-purpose program is well designed or A pretext for this Fair Lending CRA and Special-Purpose Programs close using CRA assessment-area versus lending footprint.

Decision

Model-risk partner for credit scoring in a credit-card issuer changing line-assignment logic must choose A special-purpose program is well designed / A pretext using CRA assessment-area versus lending footprint after a branch that stopped taking applications in one ZIP.

Hypotheses to test

• The population in CRA assessment-area versus lending footprint is the one a branch that stopped taking applications in one ZIP named, so A special-purpose program is well designed follows for this CRA and Special-Purpose Programs file.
• The population in CRA assessment-area versus lending footprint is adjacent only to a branch that stopped taking applications in one ZIP; A pretext is the honest Fair Lending call.
• A credit-card issuer changing line-assignment logic already contained a branch that stopped taking applications in one ZIP before CRA assessment-area versus lending footprint arrived; no new CRA and Special-Purpose Programs path.
• Provenance on CRA assessment-area versus lending footprint after a branch that stopped taking applications in one ZIP is broken; do not pick A special-purpose program is well designed or A pretext yet.

Analysis required

• Flag any disparate-impact table model-risk partner for credit scoring cannot explain from CRA assessment-area versus lending footprint.
• Test a documented exception versus a pattern a credit-card issuer changing line-assignment logic must defend.
• Match the adverse-action language to the facts in CRA assessment-area versus lending footprint.
• For this Fair Lending CRA and Special-Purpose Programs file, read CRA assessment-area versus lending footprint against a branch that stopped taking applications in one ZIP and write the one fact that would move a special-purpose program is for model-risk partner for credit scoring.

Recommendation

Choose A special-purpose program is well designed / A pretext on this Fair Lending / CRA and Special-Purpose Programs packet (CRA assessment-area versus lending footprint after a branch that stopped taking applications in one ZIP). Lead with the Fair Lending option CRA assessment-area versus lending footprint can support after a branch that stopped taking applications in one ZIP, then the two facts that force it, then the Monday action for model-risk partner for credit scoring in a credit-card issuer changing line-assignment logic.