> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt
> Use this file to discover all available pages before exploring further.

# DeclineReason

> A decline reason associated with an underwriting application, consisting of a machine-readable code and the applicant-facing message.

`OBJECT`

A decline reason associated with an underwriting application, consisting of a machine-readable code and the applicant-facing message.

## Fields

<ResponseField name="code" type="DeclineCode!" required>
  The machine-readable decline code.

  <Expandable title="Possible enum values">
    <ResponseField name="DEROGATORY_BANKING_RELATIONSHIP" type="enum">
      Derogatory or negative banking relationship
    </ResponseField>

    <ResponseField name="DEROGATORY_PUBLIC_RECORD_OR_COLLECTION" type="enum">
      Derogatory public record or collection
    </ResponseField>

    <ResponseField name="EXPIRED_APPLICATION" type="enum">
      Expired Application
    </ResponseField>

    <ResponseField name="INSUFFICIENT_FINANCIAL_INFORMATION" type="enum">
      Insufficient financial information
    </ResponseField>

    <ResponseField name="INSUFFICIENT_FINANCIAL_STRENGTH" type="enum">
      Insufficient financial strength
    </ResponseField>

    <ResponseField name="LARGE_AVERAGE_TICKET" type="enum">
      Large average ticket
    </ResponseField>

    <ResponseField name="MISSING_DOCUMENTATION" type="enum">
      Missing documentation
    </ResponseField>

    <ResponseField name="NATURE_OF_BUSINESS" type="enum">
      Nature of business
    </ResponseField>

    <ResponseField name="STARTUP_BUSINESS" type="enum">
      Start-up business
    </ResponseField>

    <ResponseField name="TERMINATED_MERCHANT_FILE" type="enum">
      Terminated merchant file from previous provider
    </ResponseField>
  </Expandable>
</ResponseField>

<ResponseField name="message" type="String!" required>
  The adverse action message corresponding to the code.
</ResponseField>