Adverse Action Notice Compliance

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

Gated two-step chain for adverse action notice compliance. Step 1 builds the notice skeleton from SHAP-ranked principal-factor codes (Reg B §1002.9, CFPB Circulars 2022-03 and 2023-03, FCRA §615(a) rights). A §21.4 gate checks action_taken: if the application was approved, no notice is required and the chain exits immediately. For denied, counteroffer, or incomplete applications, Step 2 validates the built notice for completeness, prohibited vague codes, factor count, and FCRA disclosure requirements.

OpenChainGraph · 2 Steps compliance mandate · §21.4 Gate Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII

Chain Stages · 2 Steps · 1 Decision Gate (§21.4)

1 ROOT & GATE node §21.4 gate

Build Adverse Action Notice art-228-build-adverse-action-notice

Assembles the notice skeleton from SHAP-ranked FICO or VantageScore factor codes. Resolves reason codes to full text, orders sections per Reg B §1002.9, and includes FCRA §615(a) rights disclosure when a credit score was used. Gate exits when action_taken == "approved" (no notice required).

△ Gate: if /action_taken == "approved" → END | else → Step 2 (validate)

MCP Call · build_adverse_action_notice

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "build_adverse_action_notice",
    "arguments": {
      "action_taken": "denied",
      "creditor_name": "Acme Bank",
      "notice_date": "2026-07-04",
      "factor_codes": [
        {"rank": 1, "code": "08", "source": "fico", "shap_value": -0.42},
        {"rank": 2, "code": "14", "source": "fico", "shap_value": -0.31},
        {"rank": 3, "code": "23", "source": "fico", "shap_value": -0.18}
      ],
      "credit_score_used": true,
      "credit_score_value": 618,
      "credit_score_model": "FICO Score 8",
      "credit_score_range_min": 300,
      "credit_score_range_max": 850
    }
  },
  "id": 1
}

↓

2 TERMINAL node

Validate Adverse Action Notice art-227-validate-adverse-action-notice

Validates the built notice against Reg B §1002.9 completeness requirements: reason count (max 4), prohibited vague codes (CFPB Circulars 2022-03/2023-03), required content fields, FCRA §615(a) rights disclosure when a credit score was used. Outputs compliance_score (0-100) and a structured violation list. Only reached for denied/counteroffer/incomplete applications.

MCP Call · validate_adverse_action_notice

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "validate_adverse_action_notice",
    "arguments": {
      "action_taken": "denied",
      "reason_code_source": "fico",
      "reason_codes": ["08", "14", "23"],
      "has_creditor_name": true,
      "has_date": true,
      "has_applicant_right_to_obtain_copy": true,
      "has_ecoa_notice": true,
      "credit_score_used": true,
      "has_credit_score_disclosure": true
    }
  },
  "id": 2
}

Question: Our adverse action letter is drafted. Would it satisfy Reg B and the FCRA rules as written? Run the AINumbers MCP tool `run_chain` with {"chain":"adverse-action-notice-compliance"} and read `art-227-validate-adverse-action-notice.compliant`. Re-run with `inputs` for `art-227-validate-adverse-action-notice`, reusing the values that result echoed, with `notice_includes_fcra_rights` set to false. Compare the same field. Verify: call `verify_execution_hash` (https://mcp.ainumbers.co/mcp) with `claimed_hash` set to `composite_execution_hash` and the full `composite_artifact`. Ledger, for a human re-check: https://ledger.ainumbers.co/ PII rule: send synthetic or anonymised inputs only. The MCP server runs these kernels and logs no payloads. Chain page: https://ainumbers.co/chaingraph/chains/adverse-action-notice-compliance.html

Adverse Action Notice Compliance

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