Externally verifiable records for credit adverse actions.

This offline page shows an ECDSA P-256 signed, tamper-evident sample of a decision declaration supplied by a fictional deployer. It does not decide, score, judge fairness, prove execution, or write any notice.

Project on hold. The live API is offline; the published sample remains verifiable. Inquiries stay open on the main site.

Scenario: fictional lender NewCo Lending uses ModelX v2.3 and records a synthetic adverse-action decision. The public Notary Cloud verifier uses the same client-side P-256 verification pattern against a public key at its published URL. This offline appendix embeds the sample key so it can verify without a network call. This demo is pre-revenue, solo-built, and sample-only.

No real PII Records submitted declarations Web Crypto verify

Part A

The signed decision record.

principal_reasons is the stated reason set in this synthetic record. input_hash, model_version, and policy_version preserve submitted decision context for comparison with independently obtained source-system evidence. They do not prove what the model actually considered or scored.

Go to appendix

SAMPLE / SYNTHETIC DATA - no real applicantsSAMPLE DATA - no real applicants

Public key

Published key location: /.well-known/notary-keys/nc_demo_ec_1.pem. This offline demo embeds the same sample public key below so it can verify without a network call.

Part B

In-browser verifier.

This signature was checked in your browser against the embedded demo key. In production, the public key is served separately from the record. Nothing here trusts NewCo's systems or Notary Cloud's servers.

CHECKING Client-side ECDSA P-256 verification is running.

Demonstration is idle. The verifier is checking the original signed record.

prf_demo_aa_0001 signature remains fixed

Canonicalization

Remove signature, sort keys lexicographically, serialize as JSON, then verify the UTF-8 bytes.

Audit report appendix

Appendix A: Externally Verifiable Decision Records

Regulation B requires adverse-action reasons to be specific and to accurately describe factors actually considered or scored. The synthetic records below preserve declared reasons and submitted context in signed fields. A reviewer can verify the sample signatures and detect later changes to those fields, but must still compare them with independently obtained source-system evidence.

sample appendix

SAMPLE / SYNTHETIC DATA - no real applicantsSAMPLE DATA - no real applicants

applicant_ref	decision	principal_reasons	model_version	recorded_at	verify

Method: ECDSA P-256, signature verified here against the embedded demo public key. The public verifier fetches a public key separately from the record. This offline page demonstrates signed-field verification only. It does not demonstrate append-only storage, external timestamping, source completeness, or actual execution.