Banking AI Reliability Snapshot

One AI system. Three days.
SR 11-7 + fair-lending readiness on a single page.

For banks, credit unions, and non-bank lenders using AI in credit underwriting, fraud scoring, deposit-onboarding KYC, or wealth-management recommendations. SR 11-7 model-risk-management + ECOA + Reg B + CFPB UDAAP + FCRA adverse-action defensibility signal. Below-procurement-threshold pricing. Self-serve intake. Fixed $499, delivered as PDF via email within three business days.

$499/ 3-day turnaround
Buy the snapshot — $499
Direct-buy Stripe. No scope call required. Sub-corporate-card threshold.

See a sample Snapshot first

Before you spend $499, see exactly what you'll receive. Full sample $499 Snapshot report (synthetic-data example scenario) with all 8 sections, 3 charts, counterparty-question rehearsal, and signed determination:

See sample — free

The SR 11-7 + CFPB Circular 2022-03 question your AI can't answer

OCC + Fed + FDIC examiners in 2026 are asking model-risk-management questions specifically about AI-driven credit + fraud decisions. CFPB Circular 2022-03 requires accurate reason codes on adverse-action notices even when AI drives the decision. Enforcement question:

“Reproduce the AI-driven credit decision from [date] — applicant's stated purpose, credit-bureau snapshot at decision-time, model version, underwriting risk-score, and adverse-action reason codes — as a defensible record we can produce for CFPB supervisory exam, OCC MRA response, state AG fair-lending inquiry, or class-cert opposition.”

Most banks cannot reproduce every AI-driven decision from the last audit period. That gap is where MRAs, MRIAs, class actions, and CFPB enforcement compound.

Vertical scope

Internal Defensibility

  • Consumer credit-underwriting AI
  • Fraud-scoring + AML flagging AI
  • Deposit-onboarding KYC / CIP AI
  • Wealth-management recommendation AI
  • Loan-servicing collections AI

Regulatory + Litigation Exposure

  • CFPB supervisory examination response
  • OCC / Fed / FDIC MRA + MRIA + MRO defense
  • State AG fair-lending referral (DOJ HUD trigger)
  • Class action on adverse-impact patterns
  • SR 11-7 §V.B model documentation gap

What you get

Snapshot Report (1 page PDF)

  • Category A / B / C determination on the AI system
  • The-one-number: reproducibility-gap decision count
  • SR 11-7 + ECOA + Reg B + FCRA citations by section
  • Three specific fix-first items scoped to your surface
  • Sample sensor output + adverse-action reason-code rehearsal

What it isn't

  • Full 8-layer AIC attestation (Enterprise at $35-55K)
  • Fair-lending statistical class-cert expert engagement (separate)
  • SR 11-7 model-validation replacement (advisory only)
  • Live re-audit or ongoing monitoring
  • Bespoke customization beyond snapshot template

How it works

1
Buy $499
Stripe direct, 60 sec
2
Intake form
5 fields + CSV upload
3
Analysis
Sensor runs 24-48 hr
4
PDF delivered
Day 3 via email

$499. Three business days. One signal your Chief Compliance Officer + Head of Model Risk can act on.

If snapshot surfaces material MRA / CFPB / fair-lending exposure, upgrade path is $2,500 Baseline Audit (5 days), $15K Full Diagnostic (2-3 weeks), or $35-55K Enterprise Attestation (regulator-facing signed statement). Snapshot credit applies to upgrade within 30 days.

$499 — buy now
Independent-verifier attestation. Not a legal / regulatory opinion. Scope limited to snapshot data submitted. Kept confidential under NDA on request. E&O carrier notified at Enterprise-tier engagement kickoff.