Trace
Compliance needs a causal record, not a screenshot of the final score.
ECOA · Reg B · CFPB 2022-03
GLASS BOX
A control layer for automated loan decisions: trace every fact, block invalid influence, replay appeals.
decision trace opened
incomeDTIscoredraft · denyfairness vetofinal · review
A denial should not arrive as a sentence with no evidence.
Applicants get a conclusion. Compliance needs evidence. The gap is the black box.
Generic denial letter
No factor-level trace
No path to correct stale data
Appeal
Applicants need to know which fact can actually change the outcome.
Timing
The best compliance review happens before the denial leaves the system.
If the audit happens later, the harm already shipped.
Glass Box sits before release, not after the complaint.
release gate armed
Model outputGLASS BOXReleased decision
tracetestexplainreplay
Two models: one that decides, one that judges the decision.
Decision model
Trained on a 150,000-record lending dataset, so the scoring behaviour Glass Box traces reflects real applicant patterns instead of a toy heuristic.
Evaluation agent
A second model trained specifically to understand a decision: it reads the full factor trace, checks which influences were valid, and flags what a reviewer needs to see.
01Draft denial
02Marital status influence
03Release blocked
04Income record stale
Maya Thompson applies for an $18,000 loan.
The model denies her. Glass Box reconstructs the decision path before the denial reaches Maya.
Every score has a path. Every path has a source.
incomeDTIscoredraft · denyfairness vetofinal · review
supported pathprohibited influence
outdated income$72,000
corrected evidence
corrected income$96,000
DTI 43% → 32%Eligible for review
Maya corrects income from $72,000 to $96,000.
Only the affected branch is replayed. Debt-to-income improves and the outcome moves to review.
A denial the lender can prove, and the applicant can challenge.
Applicants
See the facts that mattered and the evidence worth submitting.
Compliance
Catch prohibited influence before a decision is released.
Lenders
Keep automated decisions fast without losing a defensible record.
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