After determining an institution’s focal points, Preiss&Associates performs a risk assessment on those focal points that appear to be potentially problematic from a credit decision, pricing decision or other perspective. The risk assessment will determine whether or not additional analysis such as regression analysis is needed. Risk assessments most frequently are performed for credit decisions as well as pricing decisions by race, gender and ethnicity. Other types of risk assessments, as detailed in the Fair Lending Exam Procedures, may also be performed depending on the individual circumstances of the institution.