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During a disciplinary-risk review, a renewal specialist identifies an issue involving Fair Housing Act compliance. Which response is most compliant?

Correct Answer

D) Treat similarly qualified applicants consistently

Mortgage terms and treatment cannot discriminate or redline on protected-class grounds. The best answer is "Treat similarly qualified applicants consistently".

Answer Options
A
Use an internal exception instead of the required federal disclosure or timing rule.
B
Assume the Fair Housing Act condition is met because the borrower satisfied the separate PMI cancellation requirement.
C
Rely on oral agreement when the rule requires documented compliance.
D
Treat similarly qualified applicants consistently

Why This Is the Correct Answer

Mortgage terms and treatment cannot discriminate or redline on protected-class grounds. The best answer is "Treat similarly qualified applicants consistently".

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