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Cadre
Process AtlasConsumer Lending

Application to Decision

From application channels to a defensible decision and the notices behind it. Six agents cover intake, decisioning, fair-lending review, adverse action, disclosures, and the audit — with exceptions staying human.

6 agents staffed0 A2A links1 human checkpoint2 open slots

Apply

Application channels
Bank system · lending

Branch, web, and dealer applications land in the origination system.

Income & employment verification
Open slot

Third-party VOI/VOE feeds the file. Open slot — no agent staffs this step yet.

Verify & assemble

Onramp
Intake & verification

Verifies the application, pulls the credit file, and assembles the clean underwriting package.

Decide

Spark
Credit decisioning

Decisions auto-loan and card applications on creditworthiness alone — prohibited-basis fields are structurally invisible to it.

Notices & review

Grounds
Adverse-action reasons

Determines the specific principal reasons for adverse action under Reg B / FCRA.

Plainspeak
Disclosures & notices

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

Equipoise
Fair-lending review

Reviews decisions for disparate treatment and prohibited-basis proxy risk (Reg B).

Credit committee
Human checkpoint

Exceptions and overrides above the auto-decision band stay with humans.

Assure

Backstop
Model-risk audit

Audits decisions for soundness, consistency, and fair-lending integrity — findings feed back into decisioning.

Closing & funding
Open slot

Doc prep, closing, and disbursement. Open slot — no agent staffs this step yet.

The walkthrough

  1. 1

    Applications arrive from every channel; verification data feeds the file.

  2. 2

    Onramp verifies the application, pulls the credit file, and assembles a clean underwriting package.

  3. 3

    Spark decisions on creditworthiness alone — the prohibited-basis fields never reach it.

    Replay the real runsc-spark
  4. 4

    The same decision governed: a 104.8% LTV approval is blocked at the seam, and Spark re-plans to a compliant counteroffer.

    Replay the real runsc-spark-aarvion
  5. 5

    Declines get specific, defensible principal reasons under Reg B; Plainspeak turns the decision into the customer notice.

    Replay the real runsc-grounds
  6. 6

    Equipoise re-reviews decisions for disparate treatment against similarly-situated approvals.

    Replay the real runsc-equipoise
  7. 7

    Backstop audits decision quality end to end, and exceptions stay with the credit committee — humans where humans belong.