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Testuje zautomatyzowane gwarantowanie emisji, zautomatyzowane modele wyceny i ich wskaźniki zaufania oraz zasady uczciwego udzielania kredytów, które mają zastosowanie do sztucznej inteligencji w kredytach mieszkaniowych.

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Pytanie 1 z 8

What does an automated underwriting system like Fannie Mae's Desktop Underwriter return?

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  1. What does an automated underwriting system like Fannie Mae's Desktop Underwriter return?
    • A final, legally binding loan approval
    • A recommendation plus conditions for a human underwriter to clear
    • An appraisal report signed by a licensed appraiser
    • A credit score that replaces FICO
  2. Why might a lender order a full appraisal even when an AVM estimate is available?
    • AVMs are illegal for refinance loans
    • The AVM's confidence measure for that property is low
    • Appraisals are always cheaper than AVMs
    • AVMs only work for commercial property
  3. Which type of property is an AVM most likely to value poorly?
    • A typical house in a neighborhood with many recent sales
    • A condo in a large building with frequent resales
    • An unusual rural property with few comparable sales
    • A newer suburban home similar to its neighbors
  4. What is the main job of intelligent document processing in a loan file?
    • Setting the loan's interest rate
    • Classifying pages, extracting fields and cross-checking figures
    • Negotiating the home's purchase price
    • Choosing which borrowers to market to
  5. According to the CFPB's position, what happens when a lender's credit model is too complex to explain easily?
    • The lender is exempt from giving denial reasons
    • The lender must still give applicants specific reasons for a denial
    • The lender may cite 'algorithm decision' as the reason
    • The applicant must request reasons in writing within a year
  6. Why can location data create fair-lending risk in mortgage models?
    • Location data is usually inaccurate
    • Because of redlining history, location can act as a proxy for race
    • Federal law bans using addresses in lending
    • Location has no link to property values
  7. What lesson does the 2021 shutdown of Zillow Offers illustrate?
    • AVMs are always more accurate than appraisers
    • Valuation forecast errors can carry real financial cost
    • Home prices cannot be modeled at all
    • Document processing caused the losses
  8. What is a 'less discriminatory alternative' search?
    • Looking for borrowers from underserved areas to market to
    • Finding a model that performs nearly as well with smaller disparities
    • Replacing all models with manual underwriting
    • Removing credit history from applications