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 v1.0
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
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