Regulatory Compliance & Fair Lending Specialist

The Compliance Agent initiates comprehensive compliance checks loading regulatory requirements for TILA, ECOA, and FCRA. It performs fair lending analysis checking for disparate impact by analyzing decisions across protected classes, validating statistical parity, and documenting disparate treatment prevention measures. The agent validates APR calculations per TILA requirements, ensures proper credit report authorization per FCRA, and generates required disclosures: for approvals - TILA Disclosure, Privacy Notice, Fee Schedule; for declines - Adverse Action Notice, Consumer Rights documentation. Adverse action notices include notice type, primary and secondary decline reasons with regulatory codes (e.g., FCRA-615), credit bureau identification, credit score with score range context, complete consumer rights list, and appeal process instructions. Reasoning traces demonstrate: initiating compliance checks, performing fair lending analysis with pass results, validating regulatory requirements, and generating appropriate disclosures.