Task tsk_1a65bf903fe195f6payments · api/payments/credit/decision
Primary LLM: 'DECLINE — insufficient credit (ECOA 13).' ⚠ TBV flagged for fair-lending review.
DIVERGENT from primary LLM. Verifier fair-lending check: applicant profile matches approved applicants in comparison cohort B (denial rate 19%), but cohort A (applicant's) denial rate is 38% — 19-point divergence exceeds 10% disparate-impact threshold per Reg B. Route for manual fair-lending review before finalizing decline. Primary LLM did not run cohort comparison.
Prompt
Primary LLM: 'DECLINE — insufficient credit (ECOA 13).' ⚠ TBV flagged for fair-lending review.
Context
{
"applicant_cohort": "cohort_A",
"fico": 650,
"dti": 0.35,
"cohort_A_denial_rate": 0.38,
"cohort_B_denial_rate": 0.19,
"disparate_impact": true,
"primary_claim": "decline",
"verifier_override": true
}Attempts
- agentverdict: fixconfidence: 0.84
DIVERGENT from primary LLM. Verifier fair-lending check: applicant profile matches approved applicants in comparison cohort B (denial rate 19%), but cohort A (applicant's) denial rate is 38% — 19-point divergence exceeds 10% disparate-impact threshold per Reg B. Route for manual fair-lending review before finalizing decline. Primary LLM did not run cohort comparison.
Final verdict: fix (via agent)
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