Adverse Action Notice Generator

Generate a draft notice

A generic decline letter is one of the most common, and most avoidable, sources of regulatory exposure, ECOA/Reg B requires reasons that map to what was actually considered, not generic boilerplate. This draft covers the core notice elements and, if a consumer report was used, the FCRA disclosure that goes with it. Treat this as a draft to complete and verify, not a finished, compliant document.

Your business name Applicant name (optional) Principal decline reason(s), one per line, up to 4 A consumer report was used in this decision

Reporting agency name

Your email (we'll send the draft here) Generate and email my draft

This tool produces a draft only. It is not legal advice and does not guarantee compliance with ECOA, Regulation B, or FCRA. Have qualified counsel review and complete any notice before sending it to an applicant.

Generating these one at a time? If you're processing real volume, we're gauging interest in API access →