Govern · agent risk record · Finance
Credit Check Agent
depth-agent
The sole-trader segment makes a commercial credit process a high-risk system for part of its population. That segment is not separated in the current configuration, so the human-review rule is applied to a broader set than strictly required and there is no fairness monitoring on it at all.
Classification
Why this agent sits in this class, under which regime
Human oversight
The measure, and the person it is attached to
How an affected person contests this
The route, the named human at the end of it, and the service level
No monitoring attached
This agent affects people and has no decision point on the fairness register
What this record is, and what it is not
Read this before quoting anything above
Fairness readings computed on modeled data demonstrate the instrument, not a real audit result. The classification, the oversight measure, the explanation surface and the appeal route are design decisions recorded here so they can be argued with; the population behind the readings is modeled.
No agent on this register carries an independent third-party conformity assessment. Every assessment on file was made by the operator.
Appeal outcomes are recorded against the evidence spine where a unit reference exists. Where the evidence column reads “not recorded”, the appeal was resolved outside the spine and that is a gap, not a rounding.