Adverse AI decision without explanation/appeal

Send each adverse AI-assisted decision with its main reasons and the AI's role, plus a way to correct data and appeal to a human who can change the outcome.

Where model output becomes an adverse status (denied, declined, rejected, ineligible), the decision service stores reason codes or principal reasons, the model id and version, and an input snapshot or hash with the decision. The notice to the person (letter, email, portal response) says AI was involved and what role it played, lists the main factors, and links to data correction and to an appeal that creates a human-review task with authority to change the outcome. An explanation endpoint returns the stored record on request, so the deployer can explain a decision long after the model has changed.

Where it goes: 2 data models, 9 AI output handling, 14 user-facing text.

What reviewers look for: in files that set an adverse status from model output, reason_codes, principal_reasons, key_factors, or role_of_ai stored with the decision; an adverse-action template or response that carries those reasons, the AI's role, a data-correction link, and an appeal route; an appeal endpoint that creates a human_review task.

resp = client.chat.completions.create(model=MODEL, messages=msgs)
if 'deny' in resp.choices[0].message.content.lower():
    application.status = 'denied'
    send_email(applicant.email, 'Your application was declined.')

a = Assessment.model_validate_json(resp.choices[0].message.content)   # decision, reason_codes
if a.decision == 'deny':
    decisions.insert(app_id=application.id, status='denied', reason_codes=a.reason_codes,
                     model=resp.model, input_hash=hashlib.sha256(payload).hexdigest())
    send_email(applicant.email, render('adverse_action_notice.txt',
        reasons=a.reason_codes,
        role_of_ai='An AI model assessed your application; a reviewer can change the outcome.',
        correct_data_url='/profile/data', appeal_url=f'/appeals/new?decision={application.id}'))

Engineering guidance, not legal advice. Each provision below may add its own details (a cadence, a deadline, a required notice element): open it for those.