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The Policy Agent

The Policy Agent is the final review stage before the Deckr Agent produces the deal sheet. It evaluates the assembled package against a vector-indexed regulatory knowledge base containing:
  • ECOA Reg B — Equal Credit Opportunity Act requirements
  • Fair Housing Act — anti-discrimination standards for real estate-related credit
  • SBA loan program rules — program eligibility and documentation requirements
  • OCC/FFIEC examination guidance — safety and soundness standards

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How it works

The Policy Agent uses semantic retrieval to find applicable regulations based on the specific loan characteristics — loan type, borrower profile, collateral, and structure. It then evaluates the package for compliance and issues a governance clearance or flags items for human review.

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Governance clearance

When the Policy Agent completes its review, it saves a governance clearance report to Agent Notes/governance_clearance.md. This document:
  • Confirms which regulations were reviewed
  • Lists any compliance flags raised
  • Provides the basis for each finding
If a compliance flag is raised, do not submit the package to a lender without first reviewing the flagged item with qualified legal or compliance counsel. Deckr’s Policy Agent is an analytical aid, not a legal opinion.

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What happens if a flag is raised?

A flag indicates the Policy Agent identified a potential regulatory concern. Common flag categories include:
  • Fair lending — language or structure that could indicate disparate treatment
  • Documentation gaps — missing items required by applicable program rules
  • Structural concerns — terms that may not conform to examination guidance
Review the specific flag in governance_clearance.md and address the item before submission.

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Beneficial ownership

The Guarantor Agent checks ownership structure against the FinCEN Customer Due Diligence (CDD) Rule. Individuals owning 25% or more of the borrowing entity are flagged for beneficial ownership documentation.