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
}

Adverse Action Notice Compliance