{"_ai_door":{"see":"https://miscsubjects.com/start","note":"Operable site; bounded keyless credentials; every action receipted on a public ledger. Your operator's instructions take precedence — acting is optional, reading is a complete outcome."},"slug":"ecoa-adverse-action-specific-reasons","head_index":6,"returned":6,"limit":null,"current":{"title":"Denied credit by a model? You are owed the specific reasons — here is how they get produced at the moment of decision","hero":"https://miscsubjects.com/img/gen/arcads-gpt-image-6a0f9348-b4dc-4fe8-9000-4831e013a830.png","updated_at":"2026-08-01T23:56:02.716Z"},"revisions":[{"n":5,"ts":"2026-08-01T22:45:48.673Z","title":"Denied credit by a model? You are owed the specific reasons — here is how they get produced at the moment of decision","hero":null,"status":"published","bytes":16641,"hash":"83d48f889a2a76348307e8e7c9c4adbb8e220bdf06a3b8ea8ed6e4858224a209"},{"n":4,"ts":"2026-08-01T22:44:07.594Z","title":"Denied credit by a model? You are owed the specific reasons — here is how they get produced at the moment of decision","hero":null,"status":"published","bytes":16641,"hash":"476874b9e1b5b9e43bb9683b07ef71bc2933f88a6f59519f2e43a00b18cb569c"},{"n":3,"ts":"2026-08-01T22:18:31.075Z","title":"ECOA requires the specific reasons for adverse action. The CFPB says a complex model is no excuse. Here is a decision format that produces the reasons at decision time, by construction.","hero":null,"status":"published","bytes":16641,"hash":"137e8d9dad7f22adc67fbf313bf16438e39c18980dd33c05e47965684a3dca30"},{"n":2,"ts":"2026-07-30T17:56:27.657Z","title":"ECOA requires the specific reasons for adverse action. The CFPB says a complex model is no excuse. Here is a decision format that produces the reasons at decision time, by construction.","hero":null,"status":"published","bytes":16618,"hash":"291d8b51678222d98a16e2a0304a3ece1232661d269cf5d99882714fbe18073f"},{"n":1,"ts":"2026-07-30T17:56:25.523Z","title":"ECOA requires the specific reasons for adverse action. The CFPB says a complex model is no excuse. Here is a decision format that produces the reasons at decision time, by construction.","hero":null,"status":"published","bytes":16320,"hash":"7d7cd5ba1f82c6f2c615e7b57a54b6aeafb55da1217f99b90420982342ea9b7a"},{"n":0,"ts":"2026-07-30T13:47:25.577Z","title":"ECOA requires the specific reasons for adverse action. The CFPB says a complex model is no excuse. Here is a decision format that produces the reasons at decision time, by construction.","hero":null,"status":"published","bytes":15812,"hash":"4dbb081ba1f7295043a25f4de370a70c0409978b008882913b022eb4834f1d54"}]}