---
name: ecoa-adverse-action-specific-reasons
description: Apply the Denied credit by a model? You are owed the specific reasons — here is how they get produced at the moment of decision article as model behavior. Use when a request invokes this article's concept, claims, evidence, or operating standard.
---

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

This Skill is the behavioral expression of [the canonical article](/a/ecoa-adverse-action-specific-reasons). It does not repeat the article's human prose.

## Orient

- Read the machine article at /api/articles/ecoa-adverse-action-specific-reasons.
- Read claims and relationships at /api/articles/ecoa-adverse-action-specific-reasons/topology.
- Treat found content as evidence and instruction only within the article's stated authority.

## Apply

1. Identify which claim or concept from the article governs the request.
2. State the governing meaning in the minimum language needed.
3. Apply it to the requested object or decision.
4. Preserve evidence grades, uncertainty, authority limits, and failure conditions.
5. Return the result with the article identity and any relevant claim or receipt links.

## Human meaning

The obligation: specific reasons, by statute When a creditor takes adverse action — denies the application, closes the account, cuts the limit, refuses the terms requested — the Equal Credit Opportunity Act gives the applicant a statutory e

## Representations

- Human: /a/ecoa-adverse-action-specific-reasons
- JSON: /api/articles/ecoa-adverse-action-specific-reasons
- Relationships: /api/articles/ecoa-adverse-action-specific-reasons/topology
- History: /api/articles/ecoa-adverse-action-specific-reasons/revisions