Whether to pause a product pending a lookback from geographic application

SITUATION A mortgage company after a pricing-regression spike cannot treat a HMDA resubmission that still fails quality edits as incidental context on geographic application and origination heat map. Fair-lending officer must close to pause a product from that extract under Fair Lending / Pricing and Credit Limits.

DECISION Fair-lending officer 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 HMDA resubmission that still fails quality edits.

HYPOTHESES TO TEST 1. The population in geographic application and origination heat map is the one a HMDA resubmission that still fails quality edits named, so Remove access or reverse the item follows for this Pricing and Credit Limits file. 2. The population in geographic application and origination heat map is adjacent only to a HMDA resubmission that still fails quality edits; Temporary compensating control is the honest Fair Lending call. 3. A mortgage company after a pricing-regression spike already contained a HMDA resubmission that still fails quality edits before geographic application and origination heat map arrived; no new Pricing and Credit Limits path. 4. Provenance on geographic application and origination heat map after a HMDA resubmission that still fails quality edits is broken; do not pick Remove access or reverse the item or Temporary compensating control yet.

ANALYSIS REQUIRED 1. Compare geographic application and origination heat map to similarly situated files, second-review notes, and reason codes after a HMDA resubmission that still fails quality edits. 2. Flag any disparate-impact table fair-lending officer cannot explain from geographic application and origination heat map. 3. Test a documented exception versus a pattern a mortgage company after a pricing-regression spike must defend. 4. For this Fair Lending Pricing and Credit Limits file, read geographic application and origination heat map against a HMDA resubmission that still fails quality edits and write the one fact that would move to pause a product for fair-lending officer.

RECOMMENDATION Choose Remove access or reverse the item / Temporary compensating control / Approve a documented exception / Hold on this Fair Lending / Pricing and Credit Limits packet (geographic application and origination heat map after a HMDA resubmission that still fails quality edits). The follow-on Pricing and Credit Limits action is what fair-lending officer does next: implement the option, assign an owner, and log the missing fact.

COMMAND RETURNS - Bottom-line Fair Lending option on to pause a product, then the evidence in geographic application and origination heat map, then the action for fair-lending officer - Hypothesis scorecard against geographic application and origination heat map: supported / rejected / untestable - What changes to pause a product if a HMDA resubmission that still fails quality edits is later withdrawn - Named option among Remove access or reverse the item, Temporary compensating control, Approve a documented exception and the fact that kills the others