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Ethics & Fraudmedium18% of exam

Sawyer receives conflicting instructions about fair lending enforcement and Fair Lending — Disparate Impact. Which instruction should control?

Correct Answer

A) Investigate and correct the disparate treatment pattern

fair-lending review looks for discriminatory treatment, disparate impact, and redlining risks. This item uses an exam-style scenario; any file details in the stem are illustrative and the governing rule controls the compliant response. The best answer is "Investigate and correct the disparate treatment pattern".

Answer Options
A
Investigate and correct the disparate treatment pattern
B
Treat the requirement as satisfied by experience rather than the rule that governs the file.
C
Apply the rule only after a regulator requests the file.
D
Treat the compliance requirement as optional because closing is near.

Why This Is the Correct Answer

fair-lending review looks for discriminatory treatment, disparate impact, and redlining risks. This item uses an exam-style scenario; any file details in the stem are illustrative and the governing rule controls the compliant response. The best answer is "Investigate and correct the disparate treatment pattern".

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