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In Response To:
Thread Starter: rlcarey
Title: Re: How to document fair lending business necessity

Well we need to know a little bit more than you offered. What loan rates? If you want a margin of 3% and your cost of funds, associated operating costs and loan losses equal 3%, then you price your loan at 6%. Disparate impact would happen when you charge protected class more than non-protected classes. So there have to be other factors that we need to know about.