Verifies compliance with 15 U.S.C. §1681m adverse action notice requirements for denied rental applications.

How it works 11 steps

Inspect the data fetches, transforms, gates, and output this recipe runs.

Data fetch

▼ deal deal-reader-hubspot

Fetch reader from hubspot

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Process (10 steps)

⚠ guard_status guard

Stop if deal status is not one of

■ decision_date coalesce

Use the first available value from: deal decision date, deal updated at

■ days_since_decision date_diff

Calculate days between decision date and deal adverse action notice date

skip: step.deal.adverse_action_notice_date is_null

■ notice_sent compare

Check if deal adverse action notice sent equals true

■ days_late compare

Check if days since decision is greater than 3

skip: step.deal.adverse_action_notice_date is_null

■ notice_issue any

Check if any of the conditions are true

■ source_disclosed compare

Check if deal screening report source has data

■ copy_notice compare

Check if deal applicant right to copy notice sent equals true

■ dispute_notice compare

Check if deal applicant right to dispute notice sent equals true

■ fcra_checklist to_checklist

Format results as an actionable checklist

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Output

checklist fcra_checklist