---
title: "Build Adverse Action Notice"
method: POST
path: "/v1/tools/build_adverse_action_notice"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Build Adverse Action Notice

`POST /v1/tools/build_adverse_action_notice`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/build_adverse_action_notice`
- Auth: none declared

Assembles an adverse action notice skeleton from SHAP-ranked principal-factor codes (FICO reason codes 01-40, VantageScore VS001-VS015). Resolves codes to full human-readable text, orders sections per Reg B §1002.9, and appends the FCRA §615(a) credit score disclosure when a credit score was used in the decision. Exports a receipt artifact. Reg B 12 CFR §1002.9, CFPB Circulars 2022-03/2023-03, FCRA §615(a).

**Tool URL:** https://ainumbers.co/chaingraph/art-228-build-adverse-action-notice.html

## Request body

- object
  - `action_taken` unknown, required
  - `applicant_name_placeholder` unknown, required
  - `credit_bureau_address` unknown, required
  - `credit_bureau_name` unknown, required
  - `credit_bureau_phone` unknown, required
  - `credit_score` number
  - `credit_score_source` unknown, required
  - `credit_score_used` unknown, required
  - `creditor_name` unknown, required
  - `date_of_action` unknown, required
  - `factor_codes` unknown, required
  - `reason_code_source` unknown, required
  - `score_range_high` number
  - `score_range_low` number

## Response `200`

Successful tool execution result

- object
  - `compliance_flags_raised` integer
  - `notice_sections` object
    - `action_statement` string
    - `applicant` string
    - `credit_score_disclosure` object
      - `key_factors` string[]
      - `score` integer
      - `score_date` string
      - `score_range` string
      - `score_source` string
    - `date` string
    - `ecoa_statement` string
    - `fcra_rights` object
      - `cra_address` string
      - `cra_name` string
      - `cra_phone` string
      - `dispute_statement` string
      - `free_copy_statement` string
    - `header` string
    - `reasons` object[]
      - `code` string
      - `description` string
      - `position` integer
      - `source` string
  - `pii_note` string
  - `receipt_metadata` object
    - `action_taken` string
    - `anchor_recommendation` string
    - `credit_score_disclosed` boolean
    - `ecoa_rights_included` boolean
    - `fcra_rights_included` boolean
    - `notice_type` string
    - `reason_codes` string[]
    - `reason_count` integer
    - `regulation` string
    - `retention_requirement` string
  - `regulatory_basis` string
  - `resolved_reasons` object[]
    - `code` string
    - `description` string
    - `rank` integer
    - `shap_value` number
    - `source` string
  - `table_source` string
  - `table_version` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)