REV-026 / Northstar Community Bank
Consumer underwriting Q1–Q2 2026
Unsecured consumer installment · Nimbus v4.1 → v4.2 · Jan 1 – Jun 30, 2026
MCMaya Chen · prepared / Ellis Morgan · independent reviewer
- Draft
- Data qualification
- Testing
- Challenge
- Management response
- Retest
- Complete
| Finding / observation | Materiality | Owner | Status | Next action |
|---|---|---|---|---|
| AA-009 · Reason provenance inconsistent in original noticeOriginal notice cites credit history, which is absent from the supplied principal-factor record. Corrected mapping replay is supported by the same record; production deployment has not been assessed. | Moderate | Maya Chen | Closed | Closure applies to the synthetic mapper replay only. Production notice remediation would require separate evidence. |
| FL-024 · Covered-population outcome differenceThe configured descriptive screen is triggered within qualified bureau strata. It is not a finding about applicants without supplied proxies or a legal conclusion. | Moderate | Maya Chen | Retest required | Remediation did not resolve the descriptive screen. Request a new action plan; retain the original result. |