Your AI makes credit decisions. Can you defend them?
If a model decides who gets credit and at what price, regulators treat it as your decision — explainable, fair, and documented. iDharma independently audits lending AI so you can show your board, your partner bank, and your examiner exactly where it stands.
Lending AI is where enforcement is already live
Regulators aren't waiting for new AI laws to act on lending models — existing fair-lending and consumer-protection rules already apply to them.
Existing rules already cover your models
Adverse-action notices, disparate-impact analysis, and model documentation obligations apply to AI and alternative-data models today — under the rules lenders already answer to.
Regulators are acting on AI lending practices
Enforcement actions have targeted lending AI for unexplainable decisions and proxy discrimination. Our Insights teardowns cover real, cited cases.
Read the teardowns →Your partners are asking first
Partner banks, warehouse lenders, and enterprise customers increasingly require evidence of model governance in diligence. An independent read is how you answer without opening your entire model stack.
Built for how lending AI actually fails
The five audit dimensions, applied to the failure modes credit models are known for.
Read our methodology →Fairness & disparate impact
Whether outcomes differ across protected groups, whether alternative data acts as a proxy for them, and whether anyone tested for it before launch.
Explainability & adverse action
Whether you can give the specific, accurate reasons for a decline that notices require — from the model as it actually runs, not a simplified stand-in.
Data provenance
Where training and input data came from, whether you have the right to use it, and what bias it carries in with it.
Model governance
Who owns the model, what changed and when, how overrides work, and whether any of it would survive an examiner's questions.
Security & manipulation
Whether the model or its pipeline can be gamed — manipulated inputs, adversarial patterns, or drift nobody is watching.
Turn a vague fear into a number — yours
We won't tell you what your exposure is — we'd be guessing, and your compliance team would know it. Instead, our free calculator lets you build the number yourself: your models, your deal values, your remediation costs. One input stays honestly blank — the share of models with an undetected issue. That's the number an audit answers.
Open the Cost of Not Auditing calculatorFrom request to board-ready report
Request
Tell us about your lending AI — scorecards, ML models, or vendor tools. Nothing is charged.
Scope & fixed quote
We agree systems, depth, and price before any work begins. You approve the scope first.
Audit (1–4 weeks)
An iDharma-verified expert reviews your models against our published methodology — at the speed lending teams actually ship.
Report & walkthrough
A prioritized findings report your risk committee, partner bank, or examiner can read — with 14 business days of written follow-up.
For the person accountable when the model is wrong
In lending, AI decisions carry named owners. These are the people who have to answer for them — and what an independent audit puts in their hands.
An independent read on model risk you didn't have to produce yourself.
Trigger · a peer lender lands an enforcement actionEvidence of testing and documentation, mapped to the obligations you already carry.
Trigger · an exam or internal review is scheduledA defensible, third-party record of diligence — before a regulator or plaintiff asks for one.
Trigger · a complaint or demand letter arrivesPass partner-bank diligence without giving every counterparty your model internals.
Trigger · a bank partnership or funding round opens diligenceRecognise yourself in one of these? Start with the free 60-second read.
Know exactly where your lending AI stands.
An independent iDharma audit shows where your models are accurate, fair, secure, and compliant — and what to fix first.
- Performs the way it’s claimed to
- Where it quietly doesn’t — surfaced
- Judged on the borrowers who matter
- Outcomes hold up across protected groups
- Alternative data checked as a quiet proxy
- Proxy risk called out in plain English
- Mapped to ECOA
- Mapped to the EU AI Act
- What a partner bank or examiner will actually hold you to