Prove every lending decision was fair — before an examiner asks.
EVE CoreGuard enforces your fair-lending policy — ECOA, Reg B, FCRA, SR 11-7 — on each AI-assisted lending decision before the model’s output reaches an applicant, and signs a replayable evidence record that a regulator can verify offline. Block the decision you can’t defend.
A model card won’t answer “prove this AI decision was compliant.”
AI is moving into credit underwriting, pricing, fraud, and collections. The problem isn’t whether the model is accurate — it’s whether you can prove, decision by decision, that it stayed inside the law. A probabilistic model plus application logs cannot show an examiner why a specific denial was issued, that the adverse-action reasons were present, or that a model update didn’t introduce disparate impact.
Adverse-action exposure
A denial that lacks the specific principal reasons required by Reg B (12 CFR 1002.9) and FCRA is a violation per notice — and these scale fast across a portfolio.
Disparate impact on model updates
A retrained or re-tuned model can quietly shift outcomes for a protected class. Without pre-promotion testing, the first time you learn is during an exam or an investigation.
Model risk documentation
Examiners expect controls that are consistent, explainable, and auditable. Probabilistic outputs that drift with model version are none of those.
Inconsistent decisions
If the same applicant profile can get different outcomes across model versions, you can’t explain — or defend — why a given decision happened.
Deterministic enforcement, then signed evidence — on every decision.
CoreGuard sits in front of your lending model as a governance layer. It evaluates each proposed decision against
your lending_v1 policy pack and returns ALLOW, BLOCK, or MODIFY before the output is finalized —
then writes a cryptographically signed record of exactly which rule fired and why.
Enforce policy before the decision is final
The lending_v1 pack encodes ECOA / Reg B / FCRA / SR 11-7 rules. The same input always produces the same governance decision — deterministic, not probabilistic.
Block adverse actions that lack required reasons
If a denial is missing the principal reason codes Reg B and FCRA require, CoreGuard blocks it and records the gap — so the notice you send matches the record you keep.
Gate every model update through the Model Update Firewall
Each model change is simulated against your fair-lending rules and blocked before promotion if it introduces disparate impact. See the EVE Model Update Firewall →
Hand the examiner a record they can verify themselves
Every decision becomes a signed, hash-chained evidence record (Ed25519 in production). Re-hash and re-verify it offline with the public key — no EVE service required. Verify a record →
One prevented fair-lending event pays for years of governance.
The price tag on a single lending-governance failure dwarfs the cost of the control that prevents it.
Illustrative ranges drawn from public regulatory penalty caps, published enforcement actions, and statutory damages — not EVE customer results. Model your own exposure with the ROI calculator. EVE CoreGuard’s Enforcement license is $150,000/year.
Your data never leaves your tenant.
CoreGuard runs as SaaS, in your VPC, or fully on-prem. The governance decision and the signed record are produced inside your boundary — nothing about an applicant is sent to EVE to make a decision. See deployment models →
SaaS
Fastest start. Decisions and signed records produced in an isolated tenant.
VPC / Private
Runs inside your cloud account, under your network and key controls.
On-prem
Air-gap-friendly for institutions that keep model decisioning fully in-house.
Examiner access
Issue scoped, time-boxed evidence links so an examiner can verify records directly.
Fair-lending governance, answered plainly.
Bring one lending workflow under deterministic governance.
A 60-day design-partner pilot puts CoreGuard in front of a single decision flow, produces signed evidence on real decisions, and credits the pilot fee toward your license.