COMPARATIVE FILE REVIEW

Different treatment has a recorded explanation.

Purposeful synthetic selection; not matched-sample evidence or proof of justified treatment.

Selection author: Maya Chen
Relevant criteria: Bureau score, DTI, income, utilization, delinquencies, amount, model version and policy
Question: Does exception EX-041 adequately explain and support the different final treatment?
Known difference: B received a delegated relationship exception; A did not. Unobserved differences remain possible.

Factor	Applicant A · APP-1048392	Applicant B · APP-1048393
decision	Denied	Approved
bureau	702	704
dti	36	35
income	76000	77000
utilization	54	53
delinquencies	0	1
amount	16654	32514
channel	Partner Marketplace	Partner Marketplace
version	v4.2	v4.2
score	654	658
pd	9.8	9.6
override	None	Policy exception
overrideReason	Not applicable	Existing relationship exception EX-041, documented delegated approval under CP-12 §4.2; consistency remains subject to review.

Business explanation is not statistical or legal proof

The exception explains the recorded intervention. It does not establish consistent policy application. Request the exception population and delegated-approval evidence for a broader review.