Transparency & Reason Codes
When the DMS says "No," the LOS gets a specific code and full audit trail.
Adverse Action Codes
Specific code (e.g. REJ-04: Insufficient Income)
- REJ-01 Blacklist match (internal or external)
- REJ-02 Age outside allowed range
- REJ-03 Insufficient income (below MIN_SALARY)
- REJ-04 Insufficient income (DBR exceeded)
- REJ-05 Credit score below minimum
Audit Trail
Log of which rule failed and the value that caused the failure
| Application ID | Rule | Result | Value | Threshold | Time |
|---|---|---|---|---|---|
| APP-2025-001 | Age rule | Fail | 21 | MIN_AGE=22 | 2025-02-06 10:32:01 |
| APP-2025-002 | DBR rule | Pass | 45 | MAX_DBR_PCT=50 | 2025-02-06 10:35:22 |
DMS Output Summary
- Boolean — is_eligible
- Integer — credit_score_result, tenure
- Decimal — calculated_irr, dbr_ratio
- String — policy_comment, reason_code