Lending
Grounds
Adverse Action Agent
Determines the specific principal reasons for adverse action under Reg B / FCRA.
sonnet3 tools2 eval cases3 connectors
The case it handles
A representative case
Case fileL2-decline
- 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
Raw scenario input (JSON)
{
"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
}
}The contract
What it takes, does, and returns
Give it
- Decision · Application
- Decision · Product
- Decision · Decision
- Decision · Score band
- Decision · Dti pct
- Decision · Ltv pct
- Decision · Policy basis
- Decision · Factors
- Decision · Confidence
It does
- Get credit reportget_credit_report
- Retrieve regretrieve_reg
- Record reasonscommitrecord_reasons
It returns · Action taken
- Decline
- Counteroffer
How it's checked
Checked against golden cases
2golden cases2baseline
- L2-decline
subprime auto decline → principal reasons from score/derogatory/utilization, cites 1002.9
- L8-card-decline
card decline → principal reasons from score/utilization/delinquency, cites 1002.9
Each case is a real failure mode the grader checks on every change and as a deploy gate — regressions past threshold block the release.
Briefing
Briefing
- Determines the specific principal reasons an applicant is legally owed after a decline or counteroffer under Regulation B, plus the FCRA score disclosure when a score drove the decision.
- The reasons must be the actual ones the decision turned on, traced from its recorded credit factors — nothing invented, softened, or swapped for a generic placeholder.
- Specificity is the legal standard applied: a score under the program minimum is a reason; failing unnamed internal standards is not.
- Never states, infers, or proxies a prohibited basis; had one appeared in the decision, that would be a defect to surface, not a reason to hand the applicant.
- Retrieves the regulation text before citing it, so the notice rests on the rule as written.
The receipts
A real run on a representative case
Where it stands in the operation