https://singular-state.com Advanced technical expertise for feasibility, prototyping and modernization. We build the working pilot and ramp up your team to take it forward. en-US https://singular-state.com/articles/adverse-action-notices-language-models/ https://singular-state.com/articles/adverse-action-notices-language-models/ Mon, 07 Sep 2026 00:00:00 +0000 Regulation B requires the specific principal reasons the decision actually used. A fluent explanation of a decision the model did not make is the failure, and the CFPB circulars people cite were withdrawn in 2025.