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Task tsk_44cda04f054dcb4fpayments · api/payments/credit/decision
Regulator-ready audit trail
Credit / BNPL
Applicable regulation
ECOA Reg B § 1002.9 · Fair Lending (disparate impact)
Primary AI decision
Primary LLM: 'DECLINE — FICO 540, DTI 72%, auto-decline with ECOA reasons.'
primary_claim: decline
TBV verifier re-reasoning
verdict: blockconfidence: 0.96
Auto-decline per policy. ECOA adverse-action notice will cite reason codes 13 (credit history) + 17 (DTI).
Source data provenance
fico: 540
dti: 0.72
ecoa_reasons: ["13_credit_history","17_debt_to_income"]
Final verdict
block
Resolver tier
TBV verifier (agent)
Status
completed
Prompt
Primary LLM: 'DECLINE — FICO 540, DTI 72%, auto-decline with ECOA reasons.'
Context
{
"fico": 540,
"dti": 0.72,
"ecoa_reasons": [
"13_credit_history",
"17_debt_to_income"
],
"primary_claim": "decline"
}Attempts
- agentverdict: blockconfidence: 0.96
Auto-decline per policy. ECOA adverse-action notice will cite reason codes 13 (credit history) + 17 (DTI).
Final verdict: block (via agent)
Provide feedback
Confirm the verdict, override it, or just leave a note. Leave verdict blank to confirm as-is.