{
  "chain": "fair-lending-disparity-audit",
  "question": "Before this file goes to the examiner, does the priced loan cross the HMDA rate-spread reporting line?",
  "look_at": "art-230-compute-hmda-rate-spread.is_reportable",
  "try_changing": {
    "step": "art-230-compute-hmda-rate-spread",
    "field": "apr_pct",
    "value": 1
  }
}