Credit Agent

Decline Explanation

ECOA-compliant adverse action notices, generated from your data dictionary in minutes.

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Where it Helps

The Decline Explanation agent uses AI to build, validate, and operationalize adverse action reason code mappings, turning variable-level data dictionary definitions into regulatory-compliant, consumer-facing decline language. It works for any credit product, with or without pre-existing mappings. Once a mapping table is human-validated, the AI is removed entirely from the live decisioning path. Real-time notices are generated deterministically from the approved table, giving compliance a defensible, auditable process end to end.

Key Capabilities

AI Mapping Builder

Ingests the data dictionary and decline workflow logic to draft variable-to-reason-code mappings automatically.

Confidence-Scored Suggestions

Every proposed mapping carries a confidence score, and low-confidence mappings are flagged for mandatory review.

Human Review Gate

Analysts and compliance approve, edit, or reject each mapping before it can reach production.

Deterministic Real-Time Mapper

Once validated, live notices apply the approved table through rules, not AI inference.

Versioned Mapping Tables

Every promoted table is versioned, timestamped, and tied to the model governance record.

Diff-Based Re-Review

New or changed variables trigger review of only the affected mappings, not the full table.

Statistical Validation Checks

Correlation, monotonicity, and disparate-impact screens surface red flags before human review.

Audit-Ready Logging

Every notice logs the exact reason codes and mapping version applied, ready for exam review.

How it Works

Upload Data Dictionary and Workflow

Analysts provide variable definitions and the decline logic behind current decisioning.

AI Drafts the Mapping Table

The agent proposes reason codes and consumer-facing language, each with a confidence score.

Compliance Reviews and Approves

Reviewers approve, edit, or reject each mapping; the validated table is versioned and locked.

Notices Generate Deterministically

Live declines pull only the validated table, producing accurate, auditable notices at scale.

Popular Use Cases

Consumer Lending

ECOA and Regulation B compliant adverse action notices for application declines across product lines.

Account Management

Adverse action language for credit line decreases, account closures, and other post-origination actions.

Policy Change Rollouts

Backtested policy changes trigger a mapping refresh, with only the affected reasons flagged for review.

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Related Agents

Credit Memo Creation

First-draft credit memo narratives ready for underwriter review, not underwriter rewrite.

Credit Drift Detection

Detects input and model drift in decision flows before it moves approval rates or losses.

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