Fair lending requires explainability. But there's no system of record for the reasoning behind your AI decisions.
ECOA requires you to explain adverse actions. When the decision was made by a human, you could ask them. When it's made by AI, the reasoning evaporates unless you capture it.
The CFPB is watching AI lending closely. And they're not just looking at outcomes. They want to understand the reasoning.
The complete decision record: inputs, model, policies, exceptions, approvals. Captured automatically at decision time. No gaps. No reconstruction.
Every adverse action traces back to documented factors. No reconstruction required.
Answer any fair lending question with the actual decision record. Not a reconstruction.
Stop reconstructing. Start recording.