OpenChainGraph Suite · ART-228 · Fair Lending & Adverse Action 伦

Adverse Action Notice Builder

Assembles an adverse action notice skeleton from SHAP-ranked factor codes. Resolves FICO (codes 01–40) and VantageScore (VS001–VS015) reason code descriptions, assembles required Reg B §1002.9 notice sections, and generates FCRA §615(a) credit-score disclosure when a credit report is used. Receipt metadata supports §13.11 Verifiable Credential export. Table: REG-B-NOTICE-BUILDER-2024-CFPB-CIRC-2023-03.

Reg B §1002.9 FCRA §615(a) SHAP-ranked codes Notice Builder FICO / VantageScore
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
ⓘ Not legal or compliance advice. This tool produces a notice skeleton for review; final notices must be reviewed by legal counsel before delivery to applicants.
Notice Header
Used in the notice skeleton only. Do not enter a real applicant name.
Factor Codes (SHAP-ranked, up to 4)
Enter reason codes in SHAP rank order (most negative impact first). Source determines the description lookup table.
Credit Score Disclosure (FCRA §615(a))
Notice Skeleton
Resolved Reason Codes
Receipt Metadata
Execution Hash (SHA-256)







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `build_adverse_action_notice`. Task: Assemble an adverse action notice skeleton from SHAP-ranked principal-factor codes (FICO reason codes 01-40, VantageScore VS001-VS015).
Call it with arguments: {"policy_parameters":{"action_taken":"denied","applicant_name_placeholder":"Applicant","creditor_name":"First National Bank","date_of_action":"2026-01-15","factor_codes":[{"code":"22","source":"fico","rank":1,"shap_value":-0.32},{"code":"10","source":"fico","rank":2,"shap_value":-0.18},{"code":"08","source":"fico","rank":3,"shap_value":-0.12}],"credit_score_used":true,"credit_score":620,"credit_score_source":"FICO 8","score_range_low":300,"score_range_high":850,"credit_bureau_name":"Equifax","credit_bureau_address":"PO Box 740241 Atlanta GA 30374","credit_bureau_phone":"1-800-685-1111"}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-228-build-adverse-action-notice.html#p=v1.H4sIAAAAAAAA_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