Well, we have a loan policy/procedures which assist in providing some consistency in the application review process, we have fair lending training, second review of declines, etc. I was looking for some guidance as to how people are doing the risk assessment. For example, list the potential problem and then the controls, and then rank the potential for the problem, etc. etc. or are poeple doing more and more comp. file reviews? All this is prompted by the ABA's 2 session Fair lending webinar....that includes regression analysis. We are a community bank. I haven't dealt with stats since I took the course eons ago....I'm looking for alternatives to satisfy the examiners.