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Task tsk_8dc4a823c4dc09b2payments · api/payments/credit/decision

Regulator-ready audit trail
Credit / BNPL
approve
Applicable regulation
ECOA Reg B § 1002.9 · Fair Lending (disparate impact)
Primary AI decision

Primary LLM: 'manual review recommended, cannot auto-decide.'

primary_claim: manual_review
TBV verifier re-reasoning
verdict: approveconfidence: 0.88

Manual review approved with explanation notice — human noted positive secondary factors (housing stability, employment tenure) not weighted by model.

Source data provenance
fico: 610
dti: 0.38
file: mixed_signals
Final verdict
approve
Resolver tier
Human reviewer
Status
completed
Human review note

Manual review: applicant has 6yr employment + stable housing. Approved with explanation notice citing positive secondary factors.

Prompt

Primary LLM: 'manual review recommended, cannot auto-decide.'

Context

{
  "fico": 610,
  "dti": 0.38,
  "file": "mixed_signals",
  "primary_claim": "manual_review"
}

Attempts

  • agentverdict: approveconfidence: 0.88

    Manual review approved with explanation notice — human noted positive secondary factors (housing stability, employment tenure) not weighted by model.

  • humanverdict: approveconfidence: 1.00

    Manual review: applicant has 6yr employment + stable housing. Approved with explanation notice citing positive secondary factors.

Final verdict: approve (via human)

Provide feedback

Confirm the verdict, override it, or just leave a note. Leave verdict blank to confirm as-is.