---
title: "Credit Policy Decision Table Builder · RBE·09"
method: POST
path: "/v1/tools/credit_policy_decision_table"
---

# Credit Policy Decision Table Builder · RBE·09

`POST /v1/tools/credit_policy_decision_table`

## Request

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

Browser-based credit underwriting policy authoring tool. Build decision tables (FICO × DTI × LTV → Approve/Decline/Refer), detect coverage gaps, simulate applicant profiles, generate Reg B adverse action reasons, run Champion-Challenger policy comparison, and export Policy Mandate JSON + policy document (a deterministic decision table, outside SR 26-2's definition of "model"; SR 11-7 superseded 2026-04-17 by SR 26-2). Zero PII. Client-side. Works offline.

**Tool URL:** https://ainumbers.co/tools/rbe-09-credit-policy-decision-table.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `policy_name` string, required
  - `version` string
  - `effective_date` string, date
  - `review_cycle` 'Quarterly' | 'Semi-annual' | 'Annual'
  - `product_type` 'Personal Loan' | 'Auto Loan' | 'Mortgage' | 'Credit Card' | 'BNPL' | 'Business Credit', required
  - `jurisdiction` 'US' | 'UK' | 'EU' | 'Global', required
  - `approval_authority` string: Role label — not a personal name
  - `author_role` string: Role label — not a personal name
  - `primary_axis` 'fico' | 'dti' | 'ltv' | 'income'
  - `secondary_axis` 'fico' | 'dti' | 'ltv' | 'income'
  - `rules` object[]
    - `conditions` object
    - `outcome` 'approve' | 'decline' | 'refer' | 'counter_offer' | 'unassigned'
    - `sub_conditions` string
  - `champion_challenger_enabled` boolean
  - `challenger_rules` unknown[]
    - unknown

## Response `200`

Successful tool execution result

- object
  - `rules` unknown[]
    - unknown
  - `coverage_gaps` unknown[]
    - unknown
  - `conflicts` unknown[]
    - unknown
  - `fairness_flags` unknown[]
    - unknown
  - `reg_b_adverse_action_reasons` unknown[]
    - unknown
  - `champion_challenger_comparison` object
  - `ap2_mandate` object

---

[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)