EVE ProofEvidence
EVE ProofEvidence
Every automated credit decision becomes a signed, reason-coded certificate an examiner can verify independently — and reproduce. Fair-lending review stops being a reconstruction and becomes a lookup.
These map to concrete EVE Proof capabilities — enforcement, reproducibility, and signed evidence — not a policy PDF.
Adverse-action reasons captured as structured reason codes, decided before the action — not reconstructed for the examiner.
Model-risk review independently reproduces each decision under its policy version, without relying on the first line.
Per-applicant evidence packs prove how each applicant was treated, with signed inclusion proofs.
When a loan is declined, the certificate already carries the reason code and policy version — the adverse-action notice is backed by a verifiable record, not a screenshot.
Hand over a date-ranged evidence pack and a public key. The examiner verifies every decision on their own machines, on their own timeline.
Because policy is decoupled from the model and versioned, you can show exactly what changed and when — and replay any prior decision under the policy that produced it.
Informational mapping, not legal advice — EVE Proof supports your compliance program; it does not replace counsel.
| Framework | Obligation | EVE Proof capability |
|---|---|---|
| ECOA / Reg B | Adverse action reasons; non-discrimination | Reason-coded, signed decisions + per-applicant evidence packs. |
| SR 11-7 | Model risk; effective challenge | Policy decoupled from the model; independent, reproducible verification. |
| EU AI Act | Art. 12 record-keeping (high-risk credit) | Automatic, tamper-evident decision records. |
Verify a live decision certificate in your browser — then hand the evidence to your own auditor and watch them verify it without us.