{
  "tool_id": "art-228-build-adverse-action-notice",
  "kernel_id": "art-228-build-adverse-action-notice",
  "display_name": "Build Adverse Action Notice",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Assembles an adverse action notice skeleton from SHAP-ranked principal-factor codes (FICO reason codes 01-40, VantageScore VS001-VS015). Resolves codes to full human-readable text, orders sections per Reg B §1002.9, and appends the FCRA §615(a) credit score disclosure when a credit score was used in the decision. Exports a receipt artifact. Reg B 12 CFR §1002.9, CFPB Circulars 2022-03/2023-03, FCRA §615(a).",
  "control_description": "Assembles an adverse action notice skeleton from SHAP-ranked principal-factor codes (FICO reason codes 01-40, VantageScore VS001-VS015). Resolves codes to full human-readable text, orders sections per Reg B §1002.9, and appends the FCRA §615(a) credit score disclosure when a credit score was used in the decision. Exports a receipt artifact. Reg B 12 CFR §1002.9, CFPB Circulars 2022-03/2023-03, FCRA §615(a).",
  "declared_inputs": [],
  "declared_outputs": [
    "art-227-validate-adverse-action-notice"
  ],
  "kernel_digest": "sha256:f6fa0d528022c256b20f095c3a94e08923c4338008aba9689e96eea2395612ad",
  "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-228-build-adverse-action-notice.html",
  "generated_at": "2026-07-25T20:02:55.601Z"
}