Does This Educational Level Question on a Loan Application Leave Me Open to Disparate Impact Claims?

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Does This Educational Level Question on a Loan Application Leave Me Open to Disparate Impact Claims?

机译：这个关于贷款申请的教育水平问题是否会让我愿意提出不同的影响索赔？

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Q: I wanted to gauge your opinion on using educational information for underwriting. Currently, one of our platforms uses education information such as degree level, area of study, school, graduation year, GPA and standardized testing scores to underwrite loans. The platform has a section on the application in which it asks the applicant, "What is your highest level of education?" In the drop down options, "high school diploma or higher" for degree choices is offered. Howevfer, I noticed that there is no option for "no degree" or even for "GED." There could be several reasons as to why an applicant may not have an educational degree, but still meets all the other requirements for a loan. Does this pose a fair lending concern as applicants with no degrees are not allowed to apply for these loans?

机译：问：我想评估一下您对使用教育信息进行承保的意见。当前，我们的平台之一使用诸如学位级别，学习领域，学校，毕业年份，GPA和标准化考试成绩之类的教育信息来承销贷款。该平台的应用程序部分会询问申请人：“您的最高学历是什么？”在下拉选项中，提供用于学位选择的“高中文凭或更高学位”。 Howevfer，我注意到没有“没有学位”甚至“ GED”的选项。申请人可能没有教育程度，但仍然满足所有其他贷款要求的原因可能有多种。由于没有学位的申请人不允许申请这些贷款，这是否引起公平的贷款关注？

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《ABA banking journal》 |2016年第6期|52-54|共3页
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Does This Educational Level Question on a Loan Application Leave Me Open to Disparate Impact Claims?

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