Decision rules that scale with your approval volume.
Built for lenders running 500–8,000 installment decisions per month who need explainability at every decision point — not just when an examiner asks.
Request DemoConsumer installment lenders face an explainability problem at volume
At 500+ decisions per month, manual review of every adverse action reason is not viable. But black-box ML that generates reasons from score rank percentiles is legally fragile under Reg B. Mid-market installment lenders need a system that produces legally defensible adverse action reasons at the volume their operations require.
Manual review doesn't scale
Credit analysts reviewing 50+ declines per day for adverse action compliance isn't sustainable. Errors compound when humans are the explainability layer at volume.
Score-rank reasons don't survive exams
CFPB examiners have flagged adverse action notices that list score-rank reasons without tying them to specific application factors. The legal standard requires specificity.
Explainable decisions at installment lending volume
Rules-first policy for hard screens
Hard credit policy screens execute at the rules layer — FICO floors, delinquency limits, income minimums. Each generates a clean, specific adverse action reason code if the application fails.
ML augmentation in the grey zone
Applications that pass hard screens enter the ML layer. SHAP factor attribution identifies which features drive the probability score — translated into Reg B-compliant reason language automatically.
Adverse action notices at API speed
Reason codes and factor statements are returned in the decision API response. Your LOS receives a complete adverse action record for every decline in the same call that delivers the decision.
Fair lending diagnostics — for your compliance team to use
Monthly disparate impact report, 4/5ths rule calculations, and factor-level disparity analysis are generated automatically and ready for your compliance team. Prism Layer does not conduct fair lending compliance review — we ship the disparate-impact reporting and reason-code coverage your compliance counsel and examiners use to do that review. The assessment is yours to make. The documentation to support it is ours to produce.
Run a 30-day evaluation against your installment tape.
We'll model your current policy in Rules Studio and run shadow mode against your recent decisions.
Request Evaluation