Questions, answered.
How the autonomous underwriting decision is grounded, fairness-tested, audited, and defensible under US consumer-lending rules.
What is autonomous underwriting?
- Autonomous underwriting is when an AI system renders the binding credit decision on a loan application end to end: it verifies the applicant, assesses the borrower and the collateral, applies the lender's policy, prices the risk, and issues the decision, with no human in the common path. Themisure sells the decision, not a tool that assists a human underwriter.
Is an autonomous AI decision compliant with ECOA and fair-lending rules?
- It is built for US consumer lending: ECOA, Regulation B, FCRA, SR 26-2 (successor to SR 11-7), with a SOC 2 path. Every decision is grounded in explicit policy clauses and the applicant's facts, carries a specific adverse-action reason, and is tested for disparate impact against a four-fifths standard, so it can be explained and defended rather than treated as a black box.
How does Themisure provide adverse-action reasons for an AI decision?
- Each reason cites the exact policy clause and the applicant fact behind it. A reason that cannot be grounded is dropped and flagged, so the ECOA and FCRA notice reflects the real basis of the decision rather than a post-hoc rationalization.
Is the decision a black box?
- No. Any decision can be re-run and reproduced to the byte against the exact policy version that was live when it was made. Tampering with an input is detected and named, and the full agent trace and event timeline are sealed as an immutable audit.
Does a human review every decision?
- The AI makes the binding call end to end. A human-review and contestation channel is built and available, off by default. A human override is a separate layer over the record, never a rewrite of it.
How is the decision actually made?
- Seven typed-tool agents on one stateful graph carry an application through intake, identity and fraud, income, credit, collateral, and policy. The decision agent renders the call, then the scaffold proves it: grounded, fairness-tested, and replayable.
What loan collateral can Themisure value?
- The underwriter assesses the borrower and the collateral as part of the decision. EV battery valuation is one collateral type it can value, a proof of capability rather than the company.
Does Themisure lend, or is it the lender's system?
- Themisure is neutral infrastructure. It renders the decision on the lender's policy; it does not lend, insure, trade, or recycle. The lender owns the policy and the book.