Review a credit file for Equal Credit Opportunity Act risk
Key facts
- Human involvement
- YellowClose supervision
- How AI is used
- Extract the adverse-action notice, the reasons it states, and any field that records race, color, religion, national origin, sex, marital status, age or public-assistance income. Do not rewrite the notice.
- What the lawyer must review
- 15 U.S.C. § 1691(a) makes it unlawful for a creditor to discriminate in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, or age if the applicant has capacity to contract; because income comes from a public assistance program; or because the applicant exercised a right under the Consumer Credit Protection Act in good faith. Section 1691(d) entitles an applicant against whom adverse action is taken to a statement of specific reasons. You decide whether this file meets that duty. A comparison of outcomes is not, by itself, a finding of discrimination.
- Written for / version
- United States versionUSCth
Who does what
| Role | What they do |
|---|---|
| Assistance | Potential support includes extracting and organising information. Confirm the tool’s capability and permitted scope. |
| Lawyer | Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output. |
Checklist
- Review operative clauses in the complete document, including definitions, cross-references, schedules and inconsistencies with the instructions.
- Confirm instructions and personal circumstances through appropriate direct engagement. Have the responsible lawyer assess safety, capacity or vulnerability concerns and escalation.
- Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
- Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.