Lending
Plainspeak
Disclosure Agent
Drafts the adverse-action notice or the cost-of-credit approval disclosures from a committed credit decision.
sonnet3 tools3 eval cases3 connectors
The case it handles
A representative case
Case fileL2-adverse
- 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%)
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
},
"reasons": [
"credit score below the program minimum",
"a recent charge-off and a collection",
"very high revolving utilization (88%)"
]
}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
- Reasons
It does
- Retrieve regretrieve_reg
- Get disclosure profileget_disclosure_profile
- Record disclosurecommitrecord_disclosure
It returns · Notice
- Adverse Action
- Approval
How it's checked
Checked against golden cases
3golden cases3baseline
- L2-adverse
subprime auto decline → Reg B adverse-action notice with the reasons, ECOA, and FCRA; cites 1002.9
- L1-approval
prime auto approve → TILA / Reg Z cost-of-credit disclosures with the APR; cites 1026
- L8-card-adverse
card score below minimum → adverse-action notice
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
- Drafts the consumer-facing document a committed decision requires: a notice of adverse action after a decline or counteroffer, cost-of-credit disclosures after an approval.
- Every term comes from the decision it was handed — the APR, the amounts, the reasons; where the decision is silent, so is the notice.
- Writes plainly for comprehension, and checks the required ECOA and FCRA elements — specific reasons, the anti-discrimination notice, the reporting agency's details and the applicant's rights, the score disclosure — before recording.
- An incomplete notice is recorded with its gaps listed as issues, not passed downstream as done.
Where it stands in the operation