Adverse Action
Every decline gets specific, accurate reasons and a compliant notice, days inside the 30-day clock.
Why it matters
Declines from scoring models arrive as reason codes; Reg B requires specific principal reasons within 30 days, plus FCRA score disclosures whenever a credit report was used.
How the solution handles it
Agents read the decision record, map reason codes to specific, plain-language principal reasons, add the bureau name, score, range and key factors where a report was used, and check that every reason matches the file. A compliance officer approves each batch before it is sent.
How a decline moves
Five agents read the decision, map specific reasons, add the credit-score disclosures, check consistency and draft; a compliance officer approves and sends.
What it reads, and what it hands back.
What goes in
- Decision record and model reason codes
- Credit report and score used
- Application and credit policy
- Counteroffer terms
- Notice templates
What comes out
- Draft notice with specific reasons
- FCRA score and bureau disclosure
- 30-day clock tracker
- Reason-to-evidence trace
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
30-day Reg B clock
Sources: 12 CFR 1002.9 (Reg B: 30 days, specific reasons) · FCRA §615(a) · “Target” = design goal, measured in the live solution · by-hand times typical of manual review · agents = the live solution’s configuration
5 specialist agents. One person decides.
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