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ECOA Regulation B: adverse-action notice with specific principal reasons

A creditor that takes adverse action gives a statement of specific principal reasons, or the right to one within 30 days; citing internal standards or a failed score is insufficient, whatever model made the decision

By Reviewed

From clause to evidenceThe chain from ECOA / Reg. B 12 CFR 1002.9 to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.Clause: Equal Credit Opportunity Act, Regulation B (12 CFR 1002), 12 CFR 1002.9ClauseECOA / Reg. B12 CFR 1002.9Duty holder: CreditorsDuty holderCreditorsApplies from: 2011-12-21 (In force)Applies from2011-12-21In forceArtefact: Reason-code service versioned with the model; reason-code fidelity eval; notice templateArtefactReason-codeservice…Layers: Layer 03 Evals & Red Teaming as Evidence and Layer 04 Runtime Controls & Observability and Layer 05 Assurance & Continuous ComplianceLayersLayer 03Layer 04Layer 05Evidence record: the common evidence record (Evidence record v1)Evidence recordEvidence recordv1Same topic elsewhere: no crosswalk topic files this clause yetAs of 2026-09-24 · illustrative, not a claim of conformity From clause to evidenceThe chain from ECOA / Reg. B 12 CFR 1002.9 to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.Clause: Equal Credit Opportunity Act, Regulation B (12 CFR 1002), 12 CFR 1002.9ClauseECOA / Reg. B · 12 CFR 1002.9Duty holder: CreditorsDuty holderCreditorsApplies from: 2011-12-21 (In force)Applies from2011-12-21 · In forceArtefact: Reason-code service versioned with the model; reason-code fidelity eval; notice templateArtefactReason-code service versioned…Layers: Layer 03 Evals & Red Teaming as Evidence and Layer 04 Runtime Controls & Observability and Layer 05 Assurance & Continuous ComplianceLayersLayer 03Layer 04Layer 05Evidence record: the common evidence record (Evidence record v1)Evidence recordEvidence record v1Same topic elsewhere: no crosswalk topicfiles this clause yetAs of 2026-09-24illustrative, not a claim of conformity
From clause to evidence Build the artefact, then file every output it produces as a record that names AIGE-OBL-USFED-REGB-1002-9. Drawn from chapter 08.
Text alternative
  • Clause: ECOA / Reg. B, 12 CFR 1002.9.
  • Duty holder: Creditors.
  • Applies from: 2011-12-21, In force.
  • Artefact: Reason-code service versioned….
  • Layers: Layer 03, Layer 04, Layer 05.
  • Evidence record: Evidence record v1.
  • Record schema: Evidence record.
  • No crosswalk topic files this clause yet.
When this obligation appliesThe date of AIGE-OBL-USFED-REGB-1002-9 on a time axis, against its review date 2026-09-24.Earlier2024202620282030As of 2026-09-242011-12-21 · In forceLong-standing duty; theCFPB's Regulation B textdates from 2011-12-21(76 FR 79445)2011-12-21 · In force · Long-standing duty; the CFPB's Regulation B text dates from 2011-12-21 (76 FR 79445)Source: Obligation register(chapter 08)
When this obligation appliesThe date of AIGE-OBL-USFED-REGB-1002-9 on a time axis, against its review date 2026-09-24.2011-12-21 · In forceLong-standing duty; the CFPB's Regulation B textdates from 2011-12-21 (76 FR 79445)2024202620282030EarlierAs of 2026-09-242011-12-21 · In force · Long-standing duty; the CFPB's Regulation B text dates from 2011-12-21 (76 FR 79445)Source: Obligation register (chapter 08)
When this obligation applies The first date in the row's status, then each later step: filled once its date has passed, outlined while it is still ahead of the review date.
Data table: the dates
Dates of AIGE-OBL-USFED-REGB-1002-9
DateStepDetail
2011-12-21In forceLong-standing duty; the CFPB's Regulation B text dates from 2011-12-21 (76 FR 79445)
Id
AIGE-OBL-USFED-REGB-1002-9
Instrument
Equal Credit Opportunity Act, Regulation B (12 CFR 1002) law
Clause
12 CFR 1002.9
In scope
Creditors
Authority
CFPB and the prudential regulators
Applies from
In force · Long-standing duty; the CFPB's Regulation B text dates from 2011-12-21 (76 FR 79445)

The artefact that evidences it

Reason-code service versioned with the model; reason-code fidelity eval; notice template.

Patterns that build it

Source

Chapter 08, section Federal law that already reaches AI, checked against its sources on the review date above.

Machine-readable

Cite this obligation

García Aibar, J. (2026). ECOA Regulation B: adverse-action notice with specific principal reasons (AIGE-OBL-USFED-REGB-1002-9). In AI Governance Engineering: The Thesis & Body of Knowledge (v0.5.0). https://doi.org/10.5281/zenodo.22956197. https://aigovernanceengineer.com/obligations/aige-obl-usfed-regb-1002-9. CC BY 4.0

BibTeX

@misc{aige2026obligation,
  author       = {Jorge García Aibar},
  title        = {{ECOA Regulation B: adverse-action notice with specific principal reasons (AIGE-OBL-USFED-REGB-1002-9)}},
  howpublished = {In AI Governance Engineering: The Thesis \& Body of Knowledge},
  year         = {2026},
  version      = {0.5.0},
  doi          = {10.5281/zenodo.22956197},
  url          = {https://aigovernanceengineer.com/obligations/aige-obl-usfed-regb-1002-9},
  note         = {Version 0.5.0}
}