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

# Validate Adverse Action Notice

`POST /v1/tools/validate_adverse_action_notice`

## Request

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

Validates an adverse action notice against Reg B §1002.9 completeness requirements: reason count (max 4), prohibited vague reason codes (CFPB Circulars 2022-03/2023-03), required content fields (creditor name, date, statement of rights), and FCRA §615(a) rights disclosure when a credit score was used. Outputs compliance_score (0-100), violation list, and a remediation checklist. Reg B 12 CFR §1002.9, ECOA 15 USC §1691, FCRA §615(a).

**Tool URL:** https://ainumbers.co/chaingraph/art-227-validate-adverse-action-notice.html

## Request body

- object
  - `action_taken` unknown, required
  - `credit_score_used` unknown, required
  - `notice_includes_action_taken` unknown, required
  - `notice_includes_credit_bureau_info` unknown, required
  - `notice_includes_creditor_name` unknown, required
  - `notice_includes_date` unknown, required
  - `notice_includes_dispute_right` unknown, required
  - `notice_includes_fcra_rights` unknown, required
  - `notice_includes_right_to_copy` unknown, required
  - `reason_code_source` unknown, required
  - `reasons` unknown, required

## Response `200`

Successful tool execution result

- object
  - `action_taken` string
  - `compliance_score` integer
  - `compliant` boolean
  - `credit_score_used` boolean
  - `fcra_required` boolean
  - `fcra_violations` integer
  - `pii_note` string
  - `reason_count` integer
  - `reason_count_valid` boolean
  - `regulatory_basis` string
  - `table_source` string
  - `table_version` string
  - `violation_count` integer
  - `violations` unknown[]
    - unknown
  - `warning_count` integer
  - `warnings` unknown[]
    - unknown

---

[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)