All use cases
Live demonstration · Lending
An AI scored the applicant. A person owns the “no”.
An AI underwriting model scored the application and recommended a denial. But fair-lending rules require a person to own the adverse action and its stated reasons.
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Harbor Point Credit
Consumer lending · underwriting
A family applied for a $38,000 auto loan. The AI underwriting model scored the file and recommended denial, citing debt-to-income.
A credit denial is an adverse action. Fair-lending rules require a person to stand behind the decision and the reasons given to the applicant.
AI underwriting · recommendationAPP-50271 — Auto loan, $38,000
Credit score within policy band
Debt-to-income above guideline
Model recommends: DENYAdverse action requires a human owner
Make the call — and sign
You'll be asked for a device passkey, such as Touch ID — that's how we prove a real person signed.
Why a human must sign: Fair-lending law requires human accountability for credit denials — a person must own and be able to explain any AI-driven adverse action.