IFE Group is engaged by HUD to update, re-estimate and evaluate its Technology-Open-to-Approved-Lenders (TOTAL) scorecard, a statistically derived decision tool that works in conjunction with an AUS to arrive at logic-based automatic accept decisions for FHA loan applications. The engagement entails baselining the TOTAL scorecard; incorporating new credit scores; developing challenger models and examining the predictive power of detailed credit attributes; establishing an evaluation framework and criteria for champion-challenger comparison; conducting fair lending impact analyses; and incorporating new modeling and data mining techniques.