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Agent · Backlog

Risk-Based Pricing and Counteroffer Agent

Computes risk-based APR, fees and term options within pricing policy and generates compliant counteroffers (lower amount, longer term, secured alternative) when the requested structure is not approvable.

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

What it does

  • Apply pricing grid and elasticity models to decision output
  • Generate counteroffers and alternative products
  • Produce Reg Z-compliant TILA disclosure data and risk-based pricing notices
  • Test pricing for disparate impact proxies
  • Escalate exceptions to pricing committee

Systems and data it works with

  • Pricing engine
  • LOS
  • Disclosure generation
  • Fair-lending analytics