adverseAction

The adverseAction noun — identity, lifecycle, events, and every capability as an anchored section: 6 capabilities, 0 live, 6 sandbox, 0 declared.

adverseAction is one of the estate's 317 automotive nouns — a job a car needs done. It carries 6 capabilities: 0 live, 6 sandbox, 0 declared · doors aggregator.vin.

Identity


Noun	`adverseAction`
Pillar	Services (facets: 2 data · 4 services)
Capabilities	6 — 0 live · 6 sandbox · 0 declared
Entities	`CreditApplication`
Doors	`aggregator.vin`
SDK	`Vin.adverseAction.*` from `apis.vin`
Address	`/catalog/adverseAction#{action}` — the anchor IS the wire name minus `adverseAction.`

Events

The vocabulary this noun can append to the record — 4 past-tense, versioned event types, each linked to the capability that emits it:

AdverseAction.delivered@1 — emitted by deliver
AdverseAction.noticeIssued@1 — emitted by notice
AdverseAction.rbpNoticed@1 — emitted by riskBasedPricing
AdverseAction.reasonsAssembled@1 — emitted by reasons

Discover & read

audit

adverseAction.audit · GET /adverse-actions/audit · gate key · sandbox · answers AdverseActionAudit@1

Field	Type	Required	Notes
`vin`	`string`	no	—

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5N1DR3CD3SC256217 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

the SDK — adverseAction.audit

import { adverseAction } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await adverseAction.audit({"vin":"5N1DR3CD3SC256217"})

GET /adverse-actions/audit

curl 'https://apis.vin/adverse-actions/audit?vin=5N1DR3CD3SC256217'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-17T12:42:07.149Z · HTTP 200

{
  "type": "OK",
  "answers": "AdverseActionAudit@1",
  "value": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "audit": {
      "adverseAction": {
        "status": "none"
      },
      "entries": [],
      "count": 0
    }
  },
  "evidence": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "audit": {
      "adverseAction": {
        "status": "none"
      },
      "entries": [],
      "count": 0
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "credit-jacket-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

Fulfill & operate

deliver

adverseAction.deliver · POST /adverse-actions/deliver · gate offer · sandbox · answers AdverseActionDeliver@1

Field	Type	Required	Notes
`vin`	`string`	no	—

The gate is a 402 OFFER — the price and a hard ceiling on the wire, with a durable intent that executes on settlement. Never a wall, never "contact sales". Price: not posted — see /pricing.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5N1DR3CD3SC256217 (the VIN lens).

Emits — AdverseAction.delivered@1.

the SDK — adverseAction.deliver

import { adverseAction } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await adverseAction.deliver({"vin":"5N1DR3CD3SC256217"})

POST /adverse-actions/deliver

curl -X POST https://apis.vin/adverse-actions/deliver \
  -H 'content-type: application/json' \
  -d '{"vin":"5N1DR3CD3SC256217"}'

receipt · executed 2026-08-17T12:42:07.149Z · HTTP 200

{
  "type": "OK",
  "answers": "AdverseActionDeliver@1",
  "value": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "delivery": {
      "status": "no-notice-to-deliver",
      "position": "Prequal"
    }
  },
  "evidence": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "delivery": {
      "status": "no-notice-to-deliver",
      "position": "Prequal"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "credit-jacket-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

More actions

determine

adverseAction.determine · GET /adverse-actions/determine · gate key · sandbox · answers AdverseActionDetermine@1

Field	Type	Required	Notes
`vin`	`string`	no	—

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5N1DR3CD3SC256217 (the VIN lens).

the SDK — adverseAction.determine

import { adverseAction } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await adverseAction.determine({"vin":"5N1DR3CD3SC256217"})

GET /adverse-actions/determine

curl 'https://apis.vin/adverse-actions/determine?vin=5N1DR3CD3SC256217'

receipt · executed 2026-08-17T12:42:07.149Z · HTTP 200

{
  "type": "OK",
  "answers": "AdverseActionDetermine@1",
  "value": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "determination": {
      "decision": {
        "status": "pending"
      },
      "adverse": false,
      "position": "Prequal",
      "basis": "one-decision-derivation"
    }
  },
  "evidence": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "determination": {
      "decision": {
        "status": "pending"
      },
      "adverse": false,
      "position": "Prequal",
      "basis": "one-decision-derivation"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "credit-jacket-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

notice

adverseAction.notice · POST /adverse-actions/notice · gate offer · sandbox · answers AdverseActionNotice@1

Field	Type	Required	Notes
`vin`	`string`	no	—

The gate is a 402 OFFER — the price and a hard ceiling on the wire, with a durable intent that executes on settlement. Never a wall, never "contact sales". Price: not posted — see /pricing.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5N1DR3CD3SC256217 (the VIN lens).

Emits — AdverseAction.noticeIssued@1.

the SDK — adverseAction.notice

import { adverseAction } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await adverseAction.notice({"vin":"5N1DR3CD3SC256217"})

POST /adverse-actions/notice

curl -X POST https://apis.vin/adverse-actions/notice \
  -H 'content-type: application/json' \
  -d '{"vin":"5N1DR3CD3SC256217"}'

receipt · executed 2026-08-17T12:42:07.153Z · HTTP 200

{
  "type": "OK",
  "answers": "AdverseActionNotice@1",
  "value": {
    "vin": "5N1DR3CD3SC256217",
    "noticeRef": "AAN-0017",
    "decision": "declined",
    "principalReasons": [
      "insufficient-credit-history",
      "debt-to-income-ratio"
    ],
    "creditScoreDisclosed": true,
    "scoreRange": {
      "low": 300,
      "high": 850
    },
    "furnisherDisclosureIncluded": true,
    "deliveryDeadlineDays": 30,
    "compliant": true,
    "asOf": "2026-08-10"
  },
  "evidence": {
    "vin": "5N1DR3CD3SC256217",
    "noticeRef": "AAN-0017",
    "decision": "declined",
    "principalReasons": [
      "insufficient-credit-history",
      "debt-to-income-ratio"
    ],
    "creditScoreDisclosed": true,
    "scoreRange": {
      "low": 300,
      "high": 850
    },
    "furnisherDisclosureIncluded": true,
    "deliveryDeadlineDays": 30,
    "compliant": true,
    "asOf": "2026-08-10"
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "legal-authority-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

reasons

adverseAction.reasons · POST /adverse-actions/reasons · gate offer · sandbox · answers AdverseActionReasons@1

Field	Type	Required	Notes
`vin`	`string`	no	—

The gate is a 402 OFFER — the price and a hard ceiling on the wire, with a durable intent that executes on settlement. Never a wall, never "contact sales". Price: not posted — see /pricing.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5N1DR3CD3SC256217 (the VIN lens).

Emits — AdverseAction.reasonsAssembled@1.

the SDK — adverseAction.reasons

import { adverseAction } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await adverseAction.reasons({"vin":"5N1DR3CD3SC256217"})

POST /adverse-actions/reasons

curl -X POST https://apis.vin/adverse-actions/reasons \
  -H 'content-type: application/json' \
  -d '{"vin":"5N1DR3CD3SC256217"}'

receipt · executed 2026-08-17T12:42:07.153Z · HTTP 200

{
  "type": "OK",
  "answers": "AdverseActionReasons@1",
  "value": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "reasons": {
      "status": "no-adverse-action",
      "position": "Prequal"
    }
  },
  "evidence": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "reasons": {
      "status": "no-adverse-action",
      "position": "Prequal"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "credit-jacket-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

riskBasedPricing

adverseAction.riskBasedPricing · POST /adverse-actions/risk-based-pricing · gate offer · sandbox · answers AdverseActionRiskBasedPricing@1

Field	Type	Required	Notes
`vin`	`string`	no	—

The gate is a 402 OFFER — the price and a hard ceiling on the wire, with a durable intent that executes on settlement. Never a wall, never "contact sales". Price: not posted — see /pricing.

Door — aggregator.vin serves this noun on its two routes: / (the landing) · /5N1DR3CD3SC256217 (the VIN lens).

Emits — AdverseAction.rbpNoticed@1.

the SDK — adverseAction.riskBasedPricing

import { adverseAction } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await adverseAction.riskBasedPricing({"vin":"5N1DR3CD3SC256217"})

POST /adverse-actions/risk-based-pricing

curl -X POST https://apis.vin/adverse-actions/risk-based-pricing \
  -H 'content-type: application/json' \
  -d '{"vin":"5N1DR3CD3SC256217"}'

receipt · executed 2026-08-17T12:42:07.157Z · HTTP 200

{
  "type": "OK",
  "answers": "AdverseActionRiskBasedPricing@1",
  "value": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "rbp": {
      "status": "not-required",
      "band": "best"
    }
  },
  "evidence": {
    "vin": "5N1DR3CD3SC256217",
    "noun": "adverseAction",
    "asOf": "2026-08-10",
    "id": "app_0721a668",
    "applicantId": "ID-11f17424",
    "coApplicants": [],
    "lenderId": "F00SET",
    "decision": {
      "status": "pending"
    },
    "stips": [],
    "adverseAction": {
      "status": "none"
    },
    "status": "Prequal",
    "rbp": {
      "status": "not-required",
      "band": "best"
    }
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "credit-jacket-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  }
}

Data model

The record shape behind this noun — one entity, each property an evidence field. See the whole estate model on the data model page.

CreditApplication

Generated from the catalog. Every capability, answer, gate, and entity on this page is a rendered descriptor — it cannot drift from the wire.

On this page