What CFPB Consumer Financial Protection Circular 2022-03 - Adverse Action Notification for Credit Decisions Based on Complex Algorithms requires
CFPB Consumer Financial Protection Circular 2022-03 (26 May 2022) confirms that creditors using complex algorithms, including artificial intelligence and machine learning models, must comply with the Equal Credit Opportunity Act (ECOA)…
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Pillar: AI Governance & Law · Authority: Consumer Financial Protection Bureau (CFPB); FTC; OCC; FDIC; Federal Reserve Board; NCUA (prudential banking regulators with parallel ECOA authority); state Attorneys General under ECOA · Version: 1.0.0 · Last updated:
SHA-256 integrity: 0a9a82a6483475c50d2dd76d72bb8957dd8148d95088a3a782cb4deca8b639af
Primary Citations — 7 traced to source
- Consumer Financial Protection Bureau (CFPB) Consumer Financial Protection Circular 2022-03 - Adverse Action Notification Requirements in Connection with Credit Decisions Based on Complex Algorithms - issued 26 May 2022
- Equal Credit Opportunity Act (ECOA) 15 USC 1691 et seq - Section 701(d) adverse action notice requirements
+ 5 more citations (full bibliography, deterministic workflow, actionable schema and crosswalks) included in the vault unlock — $0.01 via Skyfire / L402 / Direct Base USDC.
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- Discovery (free): /api/v1/nodes/us-cfpb-circular-2022-03-adverse-action-complex-algorithms.json — 6-field metadata
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- Canonical URL: https://bidda.com/intelligence/us-cfpb-circular-2022-03-adverse-action-complex-algorithms
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