Overlay · not the system of recordHolds sit above scoreAsk Desk is deterministic — no modelLocal
GRC / regulatory analyst
CFPB circular — AI adverse-action notices
CFPB 2026-04 §4.2(b)
Lane · Critical citation · cannot auto-clear
PriorityP1
Severitycritical
PacketReady
Suggested—
Why this is here
Auto-decision templates in lending do not currently name model version or top factors. Circular is in force.
FeedCFPB circular ingested this morning
OpenPagesControl C-AA-12 last tested 2025-11, stale
AssetTemplate AA-AUTO-001 edited 9 days ago
Recommended. Open an obligation on the lending template. Restore disclosure language. Legal review in 48 hours.
Applies cleanly to consumer card. Commercial scoring may be out of scope — confirm with legal before a bank-wide rewrite.
Current: Open
Overlay only. Will POST a label to the write-back URL, never a funds release. IBM OpenPages OPSS-Iss:WorkflowStatus=WATCH on reg-cfpb-ai. Desk is not the system of record.