Declination Decision Documentation Template

You are preparing a declination letter that is defensible and compliant.

PASTE THE FOLLOWING:
{{applicant_name_risk_class_coverage_decis}}
{{underwriting_findings_specific_facts_tes}}
{{policy_guidelines_applicant_violates}}
{{state_specific_fair_lending_anti_discrim}}

YOUR TASK:
1. Review facts against guidelines; identify specific underwriting reason
2. Ensure reason is non-discriminatory and not based on protected class
3. Draft two-paragraph letter: decision/reason and appeal rights
4. List objective supporting facts
5. Flag compliance concerns

OUTPUT FORMAT:
JSON object with: declination_reason (objective), supporting_facts (array), draft_letter, compliance_flags (array), appeal_process

Avoid subjective language; reference policy guidelines.

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Why this works

Objective, fact-based declinations are defensible in regulatory review.

Risks & review

Declination decisions may be subject to regulatory challenge; applicants may appeal.