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.
Independent by design. We don't build or sell lending AI — we only check it.
- Governance Medium
- Data provenance High
- Bias & fairness Low
- Security Medium
- Compliance High
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 — what went wrong and what an audit should have caught.
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 to every counterparty.
Built for how lending AI actually fails
The five audit dimensions, applied to the failure modes credit models are known for.
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.
Every dimension maps to our published methodology. Read it →
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 calculator →From 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
Chief Risk Officers
An independent read on model risk you didn't have to produce yourself.
Compliance & fair-lending officers
Evidence of testing and documentation, mapped to the obligations you already carry.
General Counsel
A defensible, third-party record of diligence — before a regulator or plaintiff asks for one.
Founders & CTOs at fintech lenders
Pass partner-bank diligence without giving every counterparty your model internals.
Not sure if your model is in scope?
If your AI touches credit decisions — approval, pricing, limits, collections — it's in scope for someone's rules. Start a request and we'll scope it with you, at no cost and no commitment until you approve.
Start a request →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.