# Adverse Action / Declined Application Notice — Financial Services AI agent | Mihu AI

Financial Services · Lending

# Adverse Action / Declined Application Notice

Communicate a declined credit application compliantly.

Set up this outcome

## Apps this needs

Core / Policy System Lending, policy or subscription system for renewals & balances. Connect during setup

Inbound Email Let the agent read and answer email enquiries. Connect during setup

## How it works

Sends the legally required adverse action notice with the specific reasons for denial as determined by underwriting, pulled from the LOS.

Provides free credit report information per regulatory requirements.

Never reinterprets the underwriting decision or offers alternative approval paths itself.

Routes any request to discuss the decision to a licensed loan officer .

## Data sources

LOS decline reason codes Regulatory notice requirements

## What it targets

Adverse action notices sent within the required regulatory window Target 100%