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Agent · Spec in review

Adverse Action and Fair Lending Compliance Agent

Generates accurate, specific adverse-action notices from model reason codes, monitors decisions for disparate impact, and maintains model and policy audit trails.

Full spec in reviewAssistiveComplexity: High
The full specification - workflow, tools, guardrails, handoffs and evaluation set - is in review and will replace this page when published.

What it does

  • Map model outputs to specific principal reasons for adverse-action notices within ECOA/FCRA timelines
  • Run disparate-impact and proxy testing across protected classes using BISG where permitted
  • Monitor model drift and policy exceptions
  • Assemble examiner-ready documentation for model risk management
  • Flag UDAAP risks in customer-facing agent transcripts

Systems and data it works with

  • LOS/decision engine
  • Letter generation
  • Fair-lending analytics
  • Model risk management repository
  • Complaint management