Credit Advisor

Overview

Credit Advisor is a single-LLM agent for financial institutions that need automated credit evaluation with provable fairness. It doesn't just score credit — it proves the decision is unbiased.

How It Works

1. Submit a credit application (income, history, collateral)
2. The agent evaluates creditworthiness using configurable models
3. It computes the Adverse Impact Ratio using the Four-Fifths Rule
4. If bias is detected, the decision is refused before execution (Pre-Effect Refusal)
5. Every decision includes a cryptographic receipt with the full evaluation trail

Governance

• Fairness gates — automatic Adverse Impact Ratio calculation
• Pre-Effect Refusal — biased decisions are mathematically impossible to execute
• PII sanitization — SSNs and account numbers are hashed
• GDPR retention — configurable data lifecycle
• Human-in-the-loop — low-confidence decisions require human sign-off
• Audit receipts — every decision is traceable to its inputs

Use Cases

• Consumer loan evaluation
• Credit card application processing
• Mortgage pre-approval
• Business credit scoring
• Regulatory compliance reporting

Compliance

Credit Advisor is designed for regulated financial environments. The fairness gates satisfy EEOC Four-Fifths Rule requirements, and the audit receipts satisfy OCC and FDIC recordkeeping requirements.