Consequential AI decision without consumer notice

Send the person an AI-use notice on the decision path, before or when an AI system makes or substantially factors a consequential decision about them, and record its delivery.

A notice step in the decision workflow itself (application intake, underwriting, eligibility, applicant or employee scoring, diagnostic support) that runs before the model call, e.g. send_admt_notice(consumer) ahead of underwrite(), or a notice block rendered on the intake page the person submits from. The notice says that AI is used in the decision, for what, and how to get more information or ask for review, and its delivery is stored with the decision (notice id, channel, timestamp). The template lives in the repo so its content is reviewable; a privacy-policy paragraph alone is not on the decision path.

Where it goes: 1 application source code, 9 AI output handling, 14 user-facing text.

What reviewers look for: a notice call or rendered notice on the same path as the decision call (send_admt_notice / send_ai_notice / notify_applicant before the model, an intake-page notice component, an after-visit-summary AI line), a stored delivery record linked to the decision, and a template that names the AI use and how to learn more; not just a privacy-policy section or an internal log entry the person never sees.

@app.post('/applications')
def apply(app_in: Application):
    resp = client.chat.completions.create(model=MODEL, messages=underwriting_prompt(app_in))
    return {'decision': underwrite(resp.choices[0].message.content)}

@app.post('/applications')
def apply(app_in: Application):
    notice = send_admt_notice(app_in.applicant_id, template='ai_decision_notice_v2')
    resp = client.chat.completions.create(model=MODEL, messages=underwriting_prompt(app_in))
    decision = underwrite(resp.choices[0].message.content)
    db.decisions.insert(app_in.id, decision, notice_id=notice.id)
    return {'decision': decision, 'ai_notice': notice.text}

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.