---
title: "KYE™ Agentic Lending Authority Pack™ — governed AI across consumer-credit decisions"
description: "KYE™ Agentic Lending Authority Pack™ governs AI agents that make or assist consumer-credit decisions — underwriting, pricing, adverse action, arrears. Every credit decision is purpose-permitted, authority-bound, model-in-scope, and replay-provable; every adverse action carries a Decision Map™ of the specific reasons and a route to contest it. On the consumer-lending spine: ECOA / Regulation B, FCRA, Fed SR 11-7, FCA Consumer Duty, FCA CONC."
url: https://kyeprotocol.com/products/agentic-lending/
lang: en
source: "KYE Protocol"
---

> KYE™ Agentic Lending Authority Pack™ governs AI agents that make or assist consumer-credit decisions — underwriting, pricing, adverse action, arrears. Every credit decision is purpose-permitted, authority-bound, model-in-scope, and replay-provable; every adverse action carries a Decision Map™ of the specific reasons and a route to contest it. On the consumer-lending spine: ECOA / Regulation B, FCRA, Fed SR 11-7, FCA Consumer Duty, FCA CONC.

KYE™ Agentic Lending Authority Pack™

# Let AI help you lend. Keep every approve, price, and decline authorised, explainable, and replay-provable.

AI agents now underwrite, price, decline, and chase consumer credit. A credit decline is an adverse action that must come with the specific reasons, a credit model must be validated before you rely on it, and a UK lender must act to deliver good outcomes. The KYE™ Agentic Lending Authority Pack™ governs every consequential credit decision at the moment it happens — so each one runs under a named authority, on a model that is in scope, with a Decision Map™ on every adverse action and a route for the borrower to contest it.

[Start a pilot](https://kyeprotocol.com/poc/) See how it works Bound regulations

The problem

## Automated credit decisions are regulated, consequential, and hard to defend after the fact.

- **An adverse action needs specific reasons.** ECOA / Regulation B requires a creditor that declines or worsens terms to state the specific principal reasons for it.
- **A credit-report decline triggers a notice.** The FCRA requires a user who takes adverse action based on a consumer report to tell the borrower and name the reporting agency.
- **The model must be governed.** Fed SR 11-7 expects a model driving a decision to be validated and used only within its approved scope.
- **UK lending must deliver good outcomes.** The FCA Consumer Duty and CONC require good outcomes, consumer understanding, a creditworthiness assessment, and forbearance in arrears.
- **The usual evidence is weak.** Screenshots and reconstructed reason codes are contestable. Regulators and borrowers want a signed, verifiable record produced at the moment of the decision.

Why buy this

## A signed Evidence Pack™ on every decision — verifiable from public keys alone.

- **Named authority before the decision.** No approve, decline, price, or arrears action runs until a purpose-scoped named-authority decision resolves. Unauthorised actions are refused.
- **A Decision Map™ on every adverse action.** An adverse credit action without a Decision Map™ — the specific principal reasons, explainable — is refused at the boundary. The reasons are sealed into a signed, replayable artefact.
- **Model in scope, enforced.** A model-driven decision proceeds only on a model the register shows validated and used within its approved scope.
- **Every decline is contestable.** An adverse action carries an explanation and a route for the borrower to contest it through the KYE™ rights-disputes rail.
- **Honest scope.** KYE™ governs the lending agent's authority-to-act and the adverse-action audit trail — not the credit model's statistical correctness or your fair-lending mathematics. That stays your own quantitative work.

How it works

## Governance at the moment of the decision — across the whole credit lifecycle.

Every AI-assisted credit action flows through the same gate. The pipeline binds to canonical KYE Protocol™ envelopes — no one-off shapes per lender.

1. **1 — Action proposed.** An AI agent proposes an underwriting, pricing, adverse-action, or arrears action over a consumer-credit application or account.
2. **2 — Authority check.** The gate verifies a purpose-scoped named-authority decision and — for a report-driven action — an FCRA permissible purpose. No authority, no action.
3. **3 — Model in scope.** A model-driven decision is checked against the model register for current validation and approved scope (Fed SR 11-7).
4. **4 — Decision Map™ for adverse actions.** An adverse action must carry the specific principal reasons, explainable, before it is communicated.
5. **5 — Evidence Pack™ sealed.** The decision emits a signed Evidence Pack™ binding the authority, the model reference, the Decision Map™, and the outcome.
6. **6 — Borrower contestability.** An adverse action carries an explanation and a bound route to contest it, recorded on the envelope.
7. **7 — Quarterly attestation.** The accountable owner co-signs a quarterly attestation covering the decision register, open contests, and model-validation currency.

Framework binding

## Bound to the consumer-lending regulatory spine.

The Pack binds the canonical KYE™ artefact set to the regulations that govern consumer-credit AI. Every claim resolves to a control row on the bound framework.

| Framework | Control area | Pack coverage |
| --- | --- | --- |
| ECOA / Regulation B | Adverse-action specific reasons + credit-decision authority | full |
| FCRA | Credit-report adverse-action notice + permissible purpose | full / partial |
| Fed SR 11-7 | Validated-model use within approved scope | partial |
| FCA Consumer Duty (PRIN 2A) | Good outcomes + consumer understanding | full / partial |
| FCA CONC | Responsible lending + arrears forbearance | partial |

Full coverage means every requirement in the control area is bound to a canonical KYE™ rule, dictionary term, or Evidence Pack™ contract. Out-of-scope areas — the disparate-impact statistics, the affordability calculation, the model's fairness validation — stay the lender's own quantitative work; coverage is never inflated to 100%.

Get started

## Run a pilot on synthetic data — then deploy with confidence.

The Agentic Lending Authority Pack™ ships in three tiers: a fixed-scope adverse-action diagnostic, a full pilot on synthetic applicant data, and an annual enterprise entitlement. Pricing is value-based and disclosed under NDA to qualified applicants.

[Start a pilot](https://kyeprotocol.com/poc/) [Bound regulatory frameworks](https://kyeprotocol.com/frameworks/) [Contact for pricing](https://kyeprotocol.com/engage/)

Canonical KYE™ surfaces referenced on this page: [Evidence Pack™](https://kyeprotocol.com/evidence-pack/) · [KYE Protocol™](https://kyeprotocol.com/).