Compliance tooling is not an afterthought. It ships with every decision.
Adverse action reason codes, disparate impact monitoring, audit log, and decision replay. Built in because your bank partner and state examiners will ask for it.
ECOA-compliant adverse action, generated automatically.
Every declined or countered application generates an adverse action notice with the specific reason codes required under the Equal Credit Opportunity Act and Regulation B. Lendforge maps model feature attributions to the standardized FFIEC reason code list so your notices are actionable by applicants and defensible to examiners.
Monitor approval rate disparity before an examiner does.
Lendforge runs continuous disparate impact analysis using Bayesian Improved Surname Geocoding (BISG) to estimate demographic proxies from applicant names and geography. The dashboard tracks approval rate disparity by estimated demographic group and surfaces statistical significance indicators so you can distinguish true disparity from noise. If disparity on any group exceeds a configurable threshold, an alert fires before the pattern compounds into an exam finding. This gives your fair lending officer a monitoring signal, not a one-time snapshot at the end of a quarter.
Reconstruct any decision as it happened.
Every decision is logged with the exact feature values, model version, credit policy snapshot, and timestamp active at the time of decisioning. The /v1/audit-log endpoint retains this record for 25 months, covering the standard examination lookback under Regulation B. The replay API re-executes any past decision through the same frozen model snapshot, producing an identical output to what your applicant received at the time. When an examiner asks why application #4829 from February was declined, you can reconstruct the exact decision in under a minute and export the feature attribution as documentation.
What Lendforge covers and what it does not.
Lendforge provides credit decisioning software and compliance tooling: the decision engine, adverse action generation, disparate impact monitoring, and audit log. We do not provide legal counsel, state lending licenses, bank charter arrangements, sponsored-bank program structuring, or HMDA filing services. Platforms operating credit programs remain responsible for their own licensing, regulatory examination management, BSA/AML compliance, and state-specific disclosure obligations. Lendforge gives you the tooling to do the compliance work. The compliance work itself is yours.
Questions about adverse action, fair lending, or your exam posture?
Tell us your platform type and your regulatory context. We will walk you through how Lendforge's compliance tooling fits your program and where your obligations begin.