{
      "name": "adverse-action-notice-compliance",
      "domain": "Consumer Lending & Fair Lending",
      "title": "Adverse Action Notice Compliance",
      "spec_version": "0.8.0",
      "wave": 39,
      "description": "Gated two-step chain for adverse action notice compliance. Step 1 builds the notice skeleton from SHAP-ranked FICO or VantageScore factor codes. Gate: action_taken=approved exits immediately (no notice required for approved applications). Denied, counteroffer, or incomplete applications continue to Step 2 notice validation against Reg B §1002.9 completeness requirements and CFPB Circular prohibited-vague-code list.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/adverse-action-notice-compliance.html",
      "regulatory_refs": [
        "12 CFR §1002.9 (Reg B adverse action notice requirements)",
        "15 USC §1691 (ECOA)",
        "15 USC §1681m(a) (FCRA §615(a) credit score disclosure)",
        "CFPB Circular 2022-03 (prohibited vague reason codes)",
        "CFPB Circular 2023-03 (prohibited vague reason codes update)"
      ],
      "steps": [
        {
          "tool_id": "art-228-build-adverse-action-notice",
          "handoff": "Notice skeleton with SHAP-ranked factor codes. Gate: action_taken=approved exits (no notice required); denied/counteroffer continues to validation.",
          "gate": {
            "input": "/action_taken",
            "rules": [
              {
                "op": "eq",
                "value": "approved",
                "next": "end"
              }
            ],
            "default": "art-227-validate-adverse-action-notice",
            "gate_policy": "review_required"
          }
        },
        {
          "tool_id": "art-227-validate-adverse-action-notice",
          "handoff": "Compliance score (0-100), violation list, FCRA §615(a) completeness check. Final stage."
        }
      ]
    }