Adverse Decision → Pull Reasons → Draft Notice → Check Elements → Log Delivery
Adverse Action Notice Builder
Drafts adverse action packages and logs delivery for review, so required notices are complete and tracked instead of hand-built and inconsistent.
The Problem
Adverse action notices get drafted by hand. Elements go missing.
Adverse action notices are rewritten each time. Required elements get missed.
What Changes
Complete notices drafted and logged for delivery.
Drafts the full adverse action package with all required elements and logs delivery. Your team reviews and sends - the format and legal requirements are already met.
Humans stay in control: Your team makes the decision and sends the notice. The agent drafts it completely and tracks delivery. It removes the missing elements, not the decision.
HOW THE AGENT WORKS
TRIGGERLLMAPIDECISIONACTIONWAIT
TRIGGERAdverse DecisionA denial or adverse decision is recorded
APIPull ReasonsGet the decision basis and screening source
LLMDraft NoticeBuild the adverse action notice
LLMCheck ElementsVerify required elements present
DECISIONComplete?
ACTIONLog For DeliveryQueue and record the notice
The agent doesn't decide the adverse action. It drafts the notice with required elements and logs delivery. Your team reviews and sends.
HOW TO BUILD IT
Three levels of depth. Pick the one that matches where you are.
For the ops person who needs to understand what's involved and brief their team.
Your DecisionsAdverse actions
The AgentWorkflow engine + LLM
Your NoticesComplete + logged
WHAT YOUR TEAM PROVIDES ONCE
- Notice template - your adverse action format
- Required elements - what the notice must include
- Decision data - reasons and screening source
- Review flow - who approves before sending
- Delivery log - where sends are recorded
What happens day-to-day: An application is denied. The agent drafts the adverse action notice with the required elements, source and reasons, dispute rights, verifies nothing is missing, and logs it for delivery, so the notice is complete and tracked every time.
For the IT person or technical lead who needs to scope the integration.
INQUIRY SOURCES
Screening decision
Application
Reason codes
WORKFLOW ENGINE (N8N)
Trigger
API - Pull reasons
LLM - Draft notice
LLM - Check elements
Branch - complete?
Log for delivery
Flag gaps
CONNECTS TO
Screening / PMSRead: decision, reasons, source
Template storeRead: adverse action template
Review (email / Slack)Sign-off before send
Delivery logRecord notice + delivery
WITHOUT PMS API
Agent drafts from provided reasons into the template. Review and delivery stay manual.
WITH PMS API
Agent pulls decision data and drafts complete, logged notices. Best experience.
For the person who wants to build this agent step by step. Each node below maps to an n8n workflow node.
TRIGGERNode 1
Trigger - Adverse Decision
Fires when an adverse/denial decision is recorded.
Output: { applicant_id, decision, reason_codes[] }
APINode 2
HTTP Request - Pull Reasons
Get the decision basis and the screening provider source.
Output: { reasons[], screening_source }
LLMNode 3
LLM - Draft & Check Notice
Draft the notice and verify required elements are present.
Output: { notice, elements_present, missing[] }
You draft an adverse action notice from a template.
Fill the TEMPLATE with the reasons and screening source. Then verify all REQUIRED ELEMENTS are present (e.g. source of information, statement of rights, reasons). Return notice, elements_present (true/false), missing[].
This is a draft for human review, not legal advice.
Respond ONLY with valid JSON.
TEMPLATE: {template}
REQUIRED ELEMENTS: {required_elements}
REASONS: {reasons}
SOURCE: {screening_source}OUTPUT
{
"notice": "NOTICE OF ADVERSE ACTION... Based in part on information from [screening provider]... You have the right to obtain a free copy and dispute its accuracy...",
"elements_present": true,
"missing": []
}DECISIONNode 4
Condition - Complete?
IF all required elements present → log for delivery. ELSE → flag the missing elements.
Output: Branch: COMPLETE (log) or GAPS (flag)
ACTIONNode 5
Log For Delivery
Queue the reviewed notice for delivery and record it in the log with timestamp.
Output: Complete notice queued and logged.
MVP vs Advanced — Where To Start
MVP — START HERE
- Manual trigger
- Provided reasons
- Template draft
- Manual element check
- Manual delivery
- Manual log
ADVANCED — ADD LATER
Full Video Walkthrough Coming Soon
From an adverse decision to a complete notice - step by step.
Register to be notifiedEverything on this page is free to learn.
When you're ready to build — do it yourself or bring us in.
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Frequently asked questions
Adverse Action Notice Builder is an AI agent that drafts complete adverse action packages with required elements.
Adverse action notices get drafted by hand. Elements go missing. The Adverse Action Notice Builder addresses this — it drafts complete adverse action packages with required elements.
No — your team stays in control. Your team makes the decision and sends the notice. The agent drafts it completely and tracks delivery. It removes the missing elements, not the decision.
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