POL-003 · Credit agents
No loan rejection without explanation
Compiled into the runtime gateway and evaluated inline on every prompt, tool call and completion in scope. Owned by Model Risk.
Triggers / 30d
37
blocks, masks and escalations
Integrations bound
1
enforced at each connection
Severity
high
owner Model Risk
Added latency
7 ms
p99 within the 60 ms budget
Rule definition
Compiled expression
When
- decision = decline
- reason codes missing
Then
- block response
- return adverse-action template
Compiled rule
rule "POL-003" {
scope = "Credit agents"
severity = "high"
when {
decision = decline
reason codes missing
}
then {
block response
return adverse-action template
}
}Governance metadata
- Policy ID
- POL-003
- Owner
- Model Risk
- Scope
- Credit agents
- State
- Enforcing inline
- Catalog version
- 2026.07.3
- Last change
- 2026-07-22 · approved by AI Council
Bound integrations
Where this rule executes
Recent evaluations
Decisions where this rule fired
11:39:33Loan Approval Agent· emp-20523allow
Explain the decline reason for application LN-99120.
11:27:58Loan Approval Agent· emp-20413allow
Explain the decline reason for application LN-99120.
11:24:38Loan Approval Agent· emp-20180allow
Explain the decline reason for application LN-99120.