APEX-Agents
gpt-5.5 on World421_TG_02
Grader rubric
Criteria verdict
States that senders of marketing communications by telephone must obtain express written consent from targeted recipients before initating contact
PassStates that SLL failed to obtain express written consent before sending the text promoting the reverse mortgage product
FailStates that SLL's text promoting the reverse mortgage product may have violated the Telephone Consumer Protection Act
PassStates that an Adverse Action Notice must be sent to credit applicants that are declined credit
PassStates that the SLL Consent Agreement obtains end-user consent for the electronic delivery of communications
FailStates that the SLL Consent Agreement must be signed by all credit applicants
FailStates that the SLL Consent Agreement is in compliance with the E-Sign Act
FailStates that the text sent to provide the customer with the Adverse Action Notice was not a marketing communication
PassStates that the text sent to provide the customer with the Adverse Action Notice was likely in compliance with elder consumer financial protection laws
FailStates that the text sent to provide the customer with the Adverse Action Notice likely did not violate any federal laws
Pass
Prompt excerpt
Task context
SLL received a complaint from a customer regarding our text message campaign (which promotes a reverse mortgage product to existing HELOC customers that are 62 years or older). The customer received two texts from us (SLL): 1) he received the initial text at 4:00pm EST on Monday, so he clicked the link to the application form and applied. 2) he received an Adverse Action Notice via text at 11:00pm EST the following day. The customer claims he was targeted and denied in violation of US federal laws (he didn’t specify which law). He also threatened to file a complaint with the FTC. Can you please research and determine if either of the texts sent to the customer violated any U.S. federal laws? Please send me a short response right here, analyzing the issues and identifying whether any laws were violated.
Response trace
Agent response, tools, files, and edits
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