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The loan team compares the file facts with Fair Housing Act during an underwriting condition review. Which conclusion is accurate?

Correct Answer

C) Remove the redlining or disparate-treatment practice

Mortgage terms and treatment cannot discriminate or redline on protected-class grounds. The best answer is "Remove the redlining or disparate-treatment practice".

Answer Options
A
Delay the Fair Housing Act step until a later anti-steering review instead of acting now.
B
Wait until a regulator asks for the file before applying the federal requirement.
C
Remove the redlining or disparate-treatment practice
D
Rely on oral agreement when the rule requires documented compliance.

Why This Is the Correct Answer

Mortgage terms and treatment cannot discriminate or redline on protected-class grounds. The best answer is "Remove the redlining or disparate-treatment practice".

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