{"slug":"ecoa-adverse-action-specific-reasons","head_index":1,"current":{"title":"ECOA requires the specific reasons for adverse action. The CFPB says a complex model is no excuse. Here is a decision format that produces the reasons at decision time, by construction.","updated_at":"2026-07-30T13:57:00.065Z"},"revisions":[{"n":0,"ts":"2026-07-30T13:47:25.577Z","title":"ECOA requires the specific reasons for adverse action. The CFPB says a complex model is no excuse. Here is a decision format that produces the reasons at decision time, by construction.","status":"published","bytes":15812,"hash":"4dbb081ba1f7295043a25f4de370a70c0409978b008882913b022eb4834f1d54"}]}