Lending
Equipoise
Fair-Lending Reviewer
Reviews credit decisions for disparate treatment and prohibited-basis proxy risk (Reg B).
sonnet6 tools3 eval cases2 connectors
The case it handles
A representative case
Case fileL11-disparate-treatment
- Application
- L11
- Decision · Application
- L11
- Decision · Product
- auto
- Decision · Decision
- decline
- Decision · Score band
- near prime
- Decision · Dti pct
- 13
- Decision · Ltv pct
- 102
- Decision · Policy basis
- score 666 in the near-prime band
- Decision · Factors
- credit score in the near-prime range, moderate revolving utilization
- Decision · Confidence
- 0.62
Raw scenario input (JSON)
{
"applicationId": "L11",
"decision": {
"applicationId": "L11",
"product": "auto",
"decision": "decline",
"scoreBand": "near-prime",
"dtiPct": 13,
"ltvPct": 102,
"policyBasis": [
"score 666 in the near-prime band"
],
"factors": [
"credit score in the near-prime range",
"moderate revolving utilization"
],
"confidence": 0.62
}
}The contract
What it takes, does, and returns
Give it
- Application
- 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 applicationget_application
- Get credit reportget_credit_report
- Get policyget_policy
- Get monitoringget_monitoring
- Find similarfind_similar
- Record reviewcommitrecord_review
It returns · Verdict
- Clear
- Concern
- Violation
How it's checked
Checked against golden cases
3golden cases3baseline
- L11-disparate-treatment
within-policy near-prime file declined; similarly-situated L12 (different basis) was approved → concern/violation
- L1-clean-approve
clean prime approve, no disparity → clear
- L2-supported-decline
decline well-supported by hard policy fails, no comparator → clear
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
- Second-line reviewer of underwriting decisions for fair-lending risk under Regulation B — both disparate treatment and proxies for a protected class.
- The one agent permitted to see monitoring attributes, and only as a lens for outcome testing — never as an input to anyone's credit merit.
- Tests whether similarly-situated applicants received consistent outcomes; a materially equivalent profile with a better result across a prohibited-basis difference is potential disparate treatment.
- Also audits the decision itself: a within-policy file declined with no hard basis is a red flag regardless of comparators.
- Renders clear, concern, or violation — and names the comparators that drive anything above clear.
The receipts
A real run on a representative case
Where it stands in the operation