Transcription of INTERAGENCY FAIR LENDING EXAMINATION PROCEDURES
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INTERAGENCY FAIR LENDING EXAMINATION PROCEDURES
_____. Office of the Comptroller of the Currency Federal Deposit Insurance Corporation Federal Reserve Board Office of Thrift Supervision National Credit Union Administration _____. INTERAGENCY fair LENDING EXAMINATION PROCEDURES August 2009. CONTENTS. INTRODUCTION i PART I - EXAMINATION SCOPE GUIDELINES 1. Background 1 Step One Develop an Overview 5. Step Two - Identify Compliance Program Discrimination Risk Factors 6. Step Three - Review Residential Loan Products 7. Step Four - Identify Residential LENDING Discrimination Risk Factors 8. Step Five - Organize and Focus Residential Risk analysis 12 Step Six - Identify Consumer LENDING Discrimination Risk Factors 12 Step Seven Identify Commercial LENDING Discrimination Risk Factors 13 Step Eight - Complete the Scoping Process 13 PART II - COMPLIANCE MANAGEMENT REVIEW 15. PART III - EXAMINATION PROCEDURES 17 A. Verify Accuracy of Data 17 B. Documenting Overt Evidence of Disparate Treatment 17 C.
E. Steering Analysis 24 F. Transactional Underwriting Analysis - Commercial Loans 27 G. Analysis of Potential Discriminatory “Redlining” 29 H. Analysis of Potential Discriminatory Marketing Practices 38 I. Credit Scoring 40 J. Disparate Impact Issues 40 . PART IV - OBTAINING AND EVALUATING RESPONSES FROM . 41
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