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A mortgage file is paused during a risk-control review because of Fair Housing Act Redlining. Which answer should apply the requirement without relying on borrower preference?

Correct Answer

B) 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
Resolve the Fair Housing Act Redlining issue with the government-loan eligibility exception that does not fit the facts.
B
Remove the redlining or disparate-treatment practice
C
Wait until a regulator asks for the file before applying the federal requirement.
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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