RBE·09 · RBE Deterministic Suite · Credit Policy Live

Credit Policy Decision Table Builder

Build visual credit underwriting decision tables mapping multi-dimensional inputs (FICO × DTI × LTV) to Approve / Decline / Refer / Counter-offer outcomes. Detects gaps and conflicts, generates ECOA-compliant adverse action reasons, runs Champion-Challenger policy comparisons, and exports Policy Mandate JSON + SR 11-7 policy documents.

ECOA / Reg B CFPB Circular 2022-03 SR 11-7 EU CCD2 Champion-Challenger Policy Mandate Export Zero PII
⚡ Client-side · No server calls
🔒 Zero PII
📦 MCP-compatible · manifest.json
v RBE Suite v1.0
A — Policy Identity Last Reviewed · 2025-04-01
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.
B — Dimension Configuration
C — Decision Matrix
Build matrix to begin
Configure dimensions above, then click Rebuild Matrix.
D — Applicant Simulator
680
35
75
E — Fairness Analysis (ECOA / Reg B)
Build the decision matrix first to run fairness analysis.
F — Champion-Challenger Mode
Enable Champion-Challenger to load a Challenger policy table and compare it cell-by-cell against the Champion (Panel C). Required for SR 11-7 model validation and governance committee review.
⚔ Challenger Policy Table
The Challenger uses the same dimensions as the Champion. Assign different outcomes below.
Build Champion matrix first.
Run & Export
Analysis Results
About this tool
Decision table logic Renders a 2D grid of outcome selects. Gap detection and conflict detection are O(n²) over the rule set (≤200 rules). Gaps = unassigned cells. Conflicts = duplicate condition-combinations with different outcomes (not applicable in a pure 2D grid but flagged in sub-rule layer).
Reg B adverse action For any Decline or Refer outcome, generates a specific, applicant-traceable reason list per CFPB Circular 2022-03, ready for direct insertion into an adverse action notice.
Champion-Challenger A second decision table runs in parallel. Every cell divergence is flagged. Net approval rate delta estimated across the matrix. Governance memo exported as SR 11-7-formatted Markdown.
Regulatory coverage ECOA / Reg B 12 CFR 1002 · CFPB Circular 2022-03 · SR 11-7 · EU CCD2 Art. 18 · FCA CONC 5 
{
  "tool_id": "rbe-09-credit-policy-decision-table",
  "version": "1.0.0",
  "title": "Credit Policy Decision Table Builder",
  "category": "ai",
  "ap2_export": true,
  "mandate_type": "credit_policy_mandate",
  "mcp_tool_definition": {
    "name": "build_credit_policy_decision_table",
    "description": "Build credit underwriting
decision tables, detect gaps and conflicts,
simulate applicants, generate Reg B adverse
action reasons, run Champion-Challenger.",
    "inputSchema": {
      "type": "object",
      "required": ["policy_name","product_type","jurisdiction"],
      "properties": {
        "policy_name": { "type": "string" },
        "product_type": { "type": "string" },
        "jurisdiction": { "type": "string" },
        "dimensions": { "type": "array" },
        "rules": { "type": "array" }
      }
    }
  },
  "execution": {
    "type": "browser-javascript",
    "entry": "tools/rbe-09-credit-policy-decision-table.html",
    "function_name": "runAnalysis",
    "timeout_ms": 5000
  }
}