{
  "tool_id": "art-227-validate-adverse-action-notice",
  "kernel_id": "art-227-validate-adverse-action-notice",
  "display_name": "Validate Adverse Action Notice",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Validates an adverse action notice against Reg B §1002.9 completeness requirements: reason count (max 4), prohibited vague reason codes (CFPB Circulars 2022-03/2023-03), required content fields (creditor name, date, statement of rights), and FCRA §615(a) rights disclosure when a credit score was used. Outputs compliance_score (0-100), violation list, and a remediation checklist. Reg B 12 CFR §1002.9, ECOA 15 USC §1691, FCRA §615(a).",
  "control_description": "Validates an adverse action notice against Reg B §1002.9 completeness requirements: reason count (max 4), prohibited vague reason codes (CFPB Circulars 2022-03/2023-03), required content fields (creditor name, date, statement of rights), and FCRA §615(a) rights disclosure when a credit score was used. Outputs compliance_score (0-100), violation list, and a remediation checklist. Reg B 12 CFR §1002.9, ECOA 15 USC §1691, FCRA §615(a).",
  "declared_inputs": [
    "art-228-build-adverse-action-notice"
  ],
  "declared_outputs": [],
  "kernel_digest": "sha256:68a2b118857650ebe9fb5729f49dad91a524e942c1634d0ac6b6e7997dd2a667",
  "trust_label": "independently verified -- zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 39,
  "source_url": "https://ainumbers.co/chaingraph/art-227-validate-adverse-action-notice.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}