Regulators expect lenders and financial institutions to explain AI-driven decisions — down to the specific reasons. Norma turns each model output into a plain-language decision card with the evidence, confidence, and risk flags your compliance team can export.
Decline explained: debt-to-income ratio of 48% exceeds the 43% policy threshold.
CFPB rules require the specific principal reasons for a denial. A black-box score gives you neither.
Examiners ask how each model reached its conclusions. Reconstructing that under audit is slow and error-prone.
Loan officers and underwriters ignore or override AI they cannot explain — defeating the point of the model.
Surface the exact reasons behind a decline, formatted for a compliant adverse action notice.
Every decision cites the policy thresholds, bureau data, and model version that produced it.
Capture reasoning at the moment of the decision and export it for model risk and regulatory review.
A 0–100% confidence score plus explicit risk flags — overrides, thin files, and edge cases surfaced up front.
Add explanations where trust and compliance matter most — then expand.