{
  "tool_id": "art-228-build-adverse-action-notice",
  "note": "Vectors from Reg B §1002.9 notice-builder + CFPB Circulars 2022-03/2023-03. golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "three_shap_fico_codes_with_credit_report",
      "description": "3 SHAP-ranked FICO codes, credit report used: notice skeleton with FCRA rights and score disclosure; receipt_metadata wired for §13.11 VC export.",
      "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"
      },
      "output_payload": {
        "notice_sections": {
          "header": "First National Bank -- Adverse Action Notice",
          "applicant": "Applicant",
          "date": "2026-01-15",
          "action_statement": "We have taken the following action on your application: DENIED",
          "reasons": [
            {
              "position": 1,
              "code": "22",
              "source": "fico",
              "description": "Serious delinquency, derogatory public record, or collection filed"
            },
            {
              "position": 2,
              "code": "10",
              "source": "fico",
              "description": "Proportion of balances to credit limits too high on bank revolving or other revolving accounts"
            },
            {
              "position": 3,
              "code": "08",
              "source": "fico",
              "description": "Too many recent inquiries in the last 12 months"
            }
          ],
          "ecoa_statement": "The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: [Insert applicable federal agency].",
          "credit_score_disclosure": {
            "score": 620,
            "score_source": "FICO 8",
            "score_range": "300 to 850",
            "score_date": "2026-01-15",
            "key_factors": [
              "Serious delinquency, derogatory public record, or collection filed",
              "Proportion of balances to credit limits too high on bank revolving or other revolving accounts",
              "Too many recent inquiries in the last 12 months"
            ]
          },
          "fcra_rights": {
            "cra_name": "Equifax",
            "cra_address": "PO Box 740241 Atlanta GA 30374",
            "cra_phone": "1-800-685-1111",
            "free_copy_statement": "You have the right to obtain a free copy of your consumer report from the consumer reporting agency named above, if you request it no later than 60 days after you receive this notice.",
            "dispute_statement": "If you find that any information in the consumer report used in making this credit decision is inaccurate, you have the right to dispute the matter with the reporting agency."
          }
        },
        "resolved_reasons": [
          {
            "rank": 1,
            "code": "22",
            "source": "fico",
            "description": "Serious delinquency, derogatory public record, or collection filed",
            "shap_value": -0.32
          },
          {
            "rank": 2,
            "code": "10",
            "source": "fico",
            "description": "Proportion of balances to credit limits too high on bank revolving or other revolving accounts",
            "shap_value": -0.18
          },
          {
            "rank": 3,
            "code": "08",
            "source": "fico",
            "description": "Too many recent inquiries in the last 12 months",
            "shap_value": -0.12
          }
        ],
        "receipt_metadata": {
          "notice_type": "adverse_action",
          "action_taken": "denied",
          "reason_count": 3,
          "reason_codes": [
            "22",
            "10",
            "08"
          ],
          "credit_score_disclosed": true,
          "fcra_rights_included": true,
          "ecoa_rights_included": true,
          "regulation": "Reg B §1002.9 (12 CFR Part 1002); FCRA §615(a) (15 USC §1681m)",
          "retention_requirement": "ECOA Reg B §1002.12: 25-month record retention for credit application files",
          "anchor_recommendation": "Anchor this execution receipt at anchor.ainumbers.co to create durable, timestamped evidence per Reg B §1002.12(b)(4)"
        },
        "compliance_flags_raised": 0,
        "regulatory_basis": "Reg B §1002.9 (12 CFR Part 1002); ECOA 15 USC §1691c; FCRA §615(a) 15 USC §1681m; CFPB Circular 2022-03; CFPB Circular 2023-03",
        "table_version": "REG-B-NOTICE-BUILDER-2024-CFPB-CIRC-2023-03",
        "table_source": "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); FICO public reason codes (myFICO.com); VantageScore public reason codes (vantagescore.com)",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Use synthetic placeholders only."
      },
      "golden_hash": "5864332992b79629289f508fda68e50333035ea073ee4484f3a7d8efbadccebd"
    },
    {
      "name": "two_vantagescore_codes_no_credit_report",
      "description": "2 VantageScore codes, no credit report: notice skeleton without FCRA rights section.",
      "policy_parameters": {
        "action_taken": "denied",
        "factor_codes": [
          {
            "code": "VS001",
            "source": "vantagescore",
            "rank": 1
          },
          {
            "code": "VS007",
            "source": "vantagescore",
            "rank": 2
          }
        ],
        "credit_score_used": false
      },
      "output_payload": {
        "notice_sections": {
          "header": "[Creditor Name] -- Adverse Action Notice",
          "applicant": "Applicant",
          "date": "",
          "action_statement": "We have taken the following action on your application: DENIED",
          "reasons": [
            {
              "position": 1,
              "code": "VS001",
              "source": "vantagescore",
              "description": "The proportion of balances to credit limits on bank revolving or other revolving accounts is too high"
            },
            {
              "position": 2,
              "code": "VS007",
              "source": "vantagescore",
              "description": "Too many inquiries in the past 12 months"
            }
          ],
          "ecoa_statement": "The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: [Insert applicable federal agency]."
        },
        "resolved_reasons": [
          {
            "rank": 1,
            "code": "VS001",
            "source": "vantagescore",
            "description": "The proportion of balances to credit limits on bank revolving or other revolving accounts is too high",
            "shap_value": 0
          },
          {
            "rank": 2,
            "code": "VS007",
            "source": "vantagescore",
            "description": "Too many inquiries in the past 12 months",
            "shap_value": 0
          }
        ],
        "receipt_metadata": {
          "notice_type": "adverse_action",
          "action_taken": "denied",
          "reason_count": 2,
          "reason_codes": [
            "VS001",
            "VS007"
          ],
          "credit_score_disclosed": false,
          "fcra_rights_included": false,
          "ecoa_rights_included": true,
          "regulation": "Reg B §1002.9 (12 CFR Part 1002); FCRA §615(a) (15 USC §1681m)",
          "retention_requirement": "ECOA Reg B §1002.12: 25-month record retention for credit application files",
          "anchor_recommendation": "Anchor this execution receipt at anchor.ainumbers.co to create durable, timestamped evidence per Reg B §1002.12(b)(4)"
        },
        "compliance_flags_raised": 0,
        "regulatory_basis": "Reg B §1002.9 (12 CFR Part 1002); ECOA 15 USC §1691c; FCRA §615(a) 15 USC §1681m; CFPB Circular 2022-03; CFPB Circular 2023-03",
        "table_version": "REG-B-NOTICE-BUILDER-2024-CFPB-CIRC-2023-03",
        "table_source": "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); FICO public reason codes (myFICO.com); VantageScore public reason codes (vantagescore.com)",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Use synthetic placeholders only."
      },
      "golden_hash": "7258fe4a09eccdb10ecaa305fddaf742fe420ac07581e8cf42b9acfd8f27c107"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty input returns notice skeleton with compliance_flags_raised = 1 (no reasons provided).",
      "policy_parameters": {},
      "output_payload": {
        "notice_sections": {
          "header": "[Creditor Name] -- Adverse Action Notice",
          "applicant": "Applicant",
          "date": "",
          "action_statement": "We have taken the following action on your application: DENIED",
          "reasons": [],
          "ecoa_statement": "The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: [Insert applicable federal agency]."
        },
        "resolved_reasons": [],
        "receipt_metadata": {
          "notice_type": "adverse_action",
          "action_taken": "denied",
          "reason_count": 0,
          "reason_codes": [],
          "credit_score_disclosed": false,
          "fcra_rights_included": false,
          "ecoa_rights_included": true,
          "regulation": "Reg B §1002.9 (12 CFR Part 1002); FCRA §615(a) (15 USC §1681m)",
          "retention_requirement": "ECOA Reg B §1002.12: 25-month record retention for credit application files",
          "anchor_recommendation": "Anchor this execution receipt at anchor.ainumbers.co to create durable, timestamped evidence per Reg B §1002.12(b)(4)"
        },
        "compliance_flags_raised": 1,
        "regulatory_basis": "Reg B §1002.9 (12 CFR Part 1002); ECOA 15 USC §1691c; FCRA §615(a) 15 USC §1681m; CFPB Circular 2022-03; CFPB Circular 2023-03",
        "table_version": "REG-B-NOTICE-BUILDER-2024-CFPB-CIRC-2023-03",
        "table_source": "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); FICO public reason codes (myFICO.com); VantageScore public reason codes (vantagescore.com)",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Use synthetic placeholders only."
      },
      "golden_hash": "b66252b125019153f149c0925d422ea5d53f827dbd357eda920ca4ec0a38fcec"
    }
  ]
}