# Denied credit by a model? You are owed the specific reasons — here is how they get produced at the moment of decision

Revision history of https://miscsubjects.com/a/ecoa-adverse-action-specific-reasons

revisions held: 6 · showing all

## Revision 5 — 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
- status: published
- bytes: 16641
- hash: 83d48f889a2a76348307e8e7c9c4adbb8e220bdf06a3b8ea8ed6e4858224a209

## Revision 4 — 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
- status: published
- bytes: 16641
- hash: 476874b9e1b5b9e43bb9683b07ef71bc2933f88a6f59519f2e43a00b18cb569c

## Revision 3 — 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.
- status: published
- bytes: 16641
- hash: 137e8d9dad7f22adc67fbf313bf16438e39c18980dd33c05e47965684a3dca30

## Revision 2 — 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.
- status: published
- bytes: 16618
- hash: 291d8b51678222d98a16e2a0304a3ece1232661d269cf5d99882714fbe18073f

## Revision 1 — 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.
- status: published
- bytes: 16320
- hash: 7d7cd5ba1f82c6f2c615e7b57a54b6aeafb55da1217f99b90420982342ea9b7a

## Revision 0 — 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.
- status: published
- bytes: 15812
- hash: 4dbb081ba1f7295043a25f4de370a70c0409978b008882913b022eb4834f1d54