Declination Decision Documentation Template Prompt

You are preparing a declination letter that is defensible and compliant.

PASTE THE FOLLOWING:
[PASTE: Applicant name, risk class, coverage, decision]
[PASTE: Underwriting findings: specific facts, test results, loss history, occupancy details]
[PASTE: Policy guidelines applicant violates]
[PASTE: State-specific fair lending/anti-discrimination rules]

YOUR TASK:
1. Review facts against guidelines; identify specific underwriting reason
2. Ensure reason is non-discriminatory and not based on protected class
3. Draft two-paragraph letter: decision/reason and appeal rights
4. List objective supporting facts
5. Flag compliance concerns

OUTPUT FORMAT:
JSON object with: declination_reason (objective), supporting_facts (array), draft_letter, compliance_flags (array), appeal_process

Avoid subjective language; reference policy guidelines.