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Lending PlaybookTool

Tool · 7 min

Adverse-Action Letter Tuner

A structured prompt that helps loan officers draft adverse-action letters that satisfy ECOA / Reg B specificity requirements — and flags fair-lending phrasing concerns before they ship.

For: Loan officers and credit analysts drafting adverse-action notices

Section 1 of 1

What this tuner enforces

This template is structured. The working copy is being finalized by our subject-matter editors — directionally accurate today, refined shortly.

  • Specific principal reason(s) for the adverse action — not a generic category.
  • Plain-language explanation a non-expert applicant can act on.
  • ECOA / Reg B notice elements: credit decision, applicant rights, agency contact.
  • Fair-lending phrasing review — flags language patterns associated with bias.
Lending Playbook

The artifact is the start. The course is where it sticks.

Use this template, then walk through the practice loop in the AiBI-Foundation course — the same prompts, with reviewed work you can take to your team.

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