What is the proper way to handle addressing not doing motor vehicle loans with term < 181 days and tax refund loans to avoid the disclosure requirements that we are not able to generate to comply with regulation. is it ok to put in my loan policy that we don't offer these types of loans and still not be discriminating?

I answered how we handled it the following thread.

http://www.bankersonline.com/forum/ubbthreads.php?ubb=showflat&Number=1551289#Post1551289

Others may have handled it differently.