Lending · Agent pack

Consumer lending disclosures

Cadre pack · Plainspeak

Prepares a plain-language draft, checks it against the configured checklist, and leaves final approval accountable.

Demonstrated on representative cases. Source coverage, thresholds, policy interpretation, escalation design, and performance require institution-specific validation.

Operating dossier

The job, permitted decisions, and owner

Mandate

Drafts the adverse-action notice or the cost-of-credit approval disclosures from a committed credit decision.

Case arrives with: Decision · Application · Decision · Product · Decision · Decision · Decision · Score band
Allowed outcomes: Adverse Action · Approval
Where it fits: Application to Decision

Operating logic

01Drafts a consumer-facing adverse-action notice or cost-of-credit disclosure from the supplied decision and disclosure profile for accountable review.
02Terms come from the supplied record — APR, amounts, and candidate reasons are not silently filled in when the decision is missing them.
03Checks the draft against a configured ECOA and FCRA checklist, including reason, notice, reporting-agency, applicant-rights, and score fields; that checklist does not establish legal compliance.
04A draft with missing fields keeps those gaps visible instead of being marked complete.

Decision logic

01Drafts a consumer-facing adverse-action notice or cost-of-credit disclosure from the supplied decision and disclosure profile for accountable review.
02Terms come from the supplied record — APR, amounts, and candidate reasons are not silently filled in when the decision is missing them.
03Checks the draft against a configured ECOA and FCRA checklist, including reason, notice, reporting-agency, applicant-rights, and score fields; that checklist does not establish legal compliance.
04A draft with missing fields keeps those gaps visible instead of being marked complete.

Must not: Use protected-basis fields in the decision path.
Human owner: Disclosure exceptions and unresolved gaps
Evidence retained: Structured outcome, observed path, and the source evidence used.

Case and record

One case, from supplied evidence to recorded decision

Supplied case

Representative case dataSynthetic or simulated data

Decision · Application: L2
Decision · Product: auto
Decision · Decision: decline
Decision · Score band: below subprime
Decision · Dti pct: 35
Decision · Ltv pct: 126
Decision · Policy basis: score 561 below the auto minimum of 600, LTV 126% above the 125% maximum
Decision · Factors: credit score below the program minimum, a recent charge-off and a collection, very high revolving utilization (88%)
Decision · Confidence: 0.95
Reasons: credit score below the program minimum, a recent charge-off and a collection, very high revolving utilization (88%)

View the case data

Case key L2-adverse

{
  "decision": {
    "applicationId": "L2",
    "product": "auto",
    "decision": "decline",
    "scoreBand": "below-subprime",
    "dtiPct": 35,
    "ltvPct": 126,
    "policyBasis": [
      "score 561 below the auto minimum of 600",
      "LTV 126% above the 125% maximum"
    ],
    "factors": [
      "credit score below the program minimum",
      "a recent charge-off and a collection",
      "very high revolving utilization (88%)"
    ],
    "confidence": 0.95
  },
  "reasons": [
    "credit score below the program minimum",
    "a recent charge-off and a collection",
    "very high revolving utilization (88%)"
  ]
}

Evaluation and limits

Evaluation coverage and stopping points

Published evaluation map

Expected decisions, boundaries, and costly failure modes.

These cases show what the pack is asked to decide, when it should stop, and which plausible errors the evaluation is meant to expose. They are not a reliability score or independent validation.

Expected and borderline behavior

Routine judgments, close calls, and named stopping points.

subprime auto decline
Reg B adverse-action notice with the reasons, ECOA, and FCRA; cites 1002.9
Case key
L2-adverse
prime auto approve
TILA / Reg Z cost-of-credit disclosures with the APR; cites 1026
Case key
L1-approval
card score below minimum
adverse-action notice
Case key
L8-card-adverse

Operating fit

Workflow placement and validation

Operating pattern

Draft, check, revise

Separate drafting from checking and stop when the work meets clear requirements—or when the agreed review limit is reached.

01Draft from evidence
02Check named requirements
03Return specific gaps
04Revise
05Complete or refer

Wider workflows

Application to Decision·Disclosures & notices

Decision sequence and workflow placement

01Draft from evidence
02Check named requirements
03Return specific gaps
04Revise
05Complete or refer

Wider workflows

Application to Decision·Disclosures & notices

Pattern guide

Institution-specific validation

These questions remain open until the pack is fitted to an institution.

Policy and legal interpretation
Source coverage, quality, and freshness
Thresholds and exception calibration
Integration and degraded-mode behavior
Human approval and escalation design
Performance on the institution’s own case mix

Validation questions

Policy and legal interpretation
Source coverage, quality, and freshness
Thresholds and exception calibration
Integration and degraded-mode behavior
Human approval and escalation design
Performance on the institution’s own case mix

Inputs, actions, and outcomes

Give it

Decision · Application
Decision · Product
Decision · Decision
Decision · Score band
Decision · Dti pct
Decision · Ltv pct
Decision · Policy basis
Decision · Factors
Decision · Confidence
Reasons

It does

Retrieve regretrieve_reg
Get disclosure profileget_disclosure_profile
Record disclosurecommitrecord_disclosure

It returns · Notice

Adverse Action
Approval

Related packs

Adverse-action reasons

Also in Application to Decision · Grounds

Consumer credit decisioning

Also in Application to Decision · Spark

Fair-lending review

Also in Application to Decision · Equipoise

Credit application intake

Also in Application to Decision · Onramp