Yeah, i went and looked.....i guess i was confused.

In QuestSoft - if you don't mark how you took the application, since it is not a required field, you can report it as a 3.

Thanks for the info, MarieR.
Don't understand why QS would make it complicated and make me leave a field blank to use another.

Does anyone feel like we should go back through our LARs and change all of those lines back to 3s? I really don't want to do that, but will if it seems necessary.

I'm really getting myself confused.....i'm working in QS right now, and i have one that i entered as taken by telephone....and it didn't automatically change to 2.....they're all in there as 3, NA.

Nevermind....i guess i manually entered them as 3's....confusing.

I'm not going to fight the system. Haven't time to go in and change a thousand to 3 so I'm letting them all show as 2s. Just had an exam and nothing was said about all non-face to face being 2 vs 3.

But I don't like that the system decides...no I do not like that at all. And I've told QS just that. The logical default would be NA, not No.

I would definitely not do that. Just make sure your conisistent. The only consistency I've seen on this is that nobody is being cited in either direction.

I agree with Iherent_Risk. Until they decide to issue the clarifying guidance they have said they will pick your poison and be consistent with it.

Whew! That makes me feel a lot better. Thanks, y'all!

And I agree with Dan (& IR). The CFPB has said they won't be citing this and Dan posted a few weeks ago following his exam proving they are not (at least his examiners didn't).