What happens when your AI lending model fails?
Answer 8 questions about your institution. Get a 6-stage enforcement cascade narrative with real cost estimates, regulatory citations, and a gap analysis mapped to AGRS dimensions.
6 minutes. Free. One cascade you can show your board.
Six stages from trigger to impact.
Trigger Event
A consumer complaint, a whistleblower, or an examiner's routine test surfaces the issue.
Discovery
The regulator requests documentation. The institution scrambles to produce an evidence trail that doesn't exist.
Investigation
Formal examination begins. Fair-lending data is subpoenaed. Model validation history is reviewed.
Finding
MRA or MRIA issued. Consent order drafted. The institution is now in remediation mode.
Remediation
Operational overhaul, technology rebuild, legal costs, and monitoring requirements compound.
Second-Order Impact
Reputational damage, customer attrition, rating downgrades, and ongoing enhanced supervision.
What you receive.
Combined remediation, legal, operational, and reputational cost range based on comparable enforcement actions
Each cascade stage maps to an AGRS dimension and a specific governance control. The simulator shows you exactly what was missing and what would have prevented the enforcement action.
Three sectors. Different regulators.
Banks
OCC · Federal Reserve · FDIC
AI lending, underwriting, fair-lending exposure, adverse-action notices
OCC 2026-13 · SR 11-7 · CFPB 2023-03
Insurance
State DOIs · NAIC
Underwriting, claims adjudication, telematics pricing, fraud screening
NAIC Model Bulletin §4 · State DOI Conduct
Healthcare
HHS OCR · ONC · FDA · CMS
Clinical decision support, predictive DSI, imaging AI, prior authorization
ONC HTI-1 · FDA SaMD · HIPAA
6 minutes. One cascade you can show your board.
Simulated scenarios for planning purposes. Not legal advice. Not a compliance audit. But the CCO who reads it will know exactly what to do next.
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