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.

Simulate this policyhighenforcingEdit in rule builder

Triggers / 30d

blocks, masks and escalations

Integrations bound

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

Policy as code

apiVersion: truint.ai/v1
kind: RuntimePolicy
metadata:
  id: POL-003
  name: "No loan rejection without explanation"
  owner: "Model Risk"
  scope: "Credit agents"
spec:
  severity: high
  mode: enforce
  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

Retail Loan OriginationINT-APP-01 · In-house (LOS)