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Agent · Backlog

Section 1071 & Fair Lending Data Agent

Captures, firewalls and files Section 1071 small-business lending data and runs fair-lending monitoring over pricing and decision outcomes, keeping demographic data invisible to underwriters.

Not yet specifiedSemi-autonomousComplexity: Medium
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.

What it does

  • Determine covered-application status and capture the 81 reportable data points
  • Collect principal-owner demographic responses and refusals into a firewalled store
  • Log action taken, pricing and denial reasons at decision time
  • Validate and format the annual filing
  • Run disparate-impact and pricing-disparity tests and produce exam-ready evidence

Systems and data it works with

  • NContracts or similar 1071 software
  • LOS event streams
  • Compliance data warehouse
  • CFPB filing platform
  • HMDA/fair-lending analytics