Lightweight Development Platform for the ECOA standard

FICO-equivalent credit scoring API — 8-factor model (300–850), ECOA/FCRA compliant

Profile of evidence-bundle-spec scoped to CFPB + OCC + FRB + FDIC readiness across 8 obligation families: model-risk-management + ECOA Reg B + FCRA Reg V + GLBA Safeguards + BSA/AML + Section 1071 + Section 1033 + CFPB UDAAP. FinTech scaffolding, not certification.

PropTech-specific profile of the AI Incident Card. Maps severity/type fields onto CFPB UDAAP, ECOA Reg B (12 CFR 1002), Fair Housing Act, RESPA Section 8, title-chain integrity (ALTA), state real-estate regulator notification + a 5-grade transaction-impact severity scale. PropTech-readiness scaffolding, not certification.

Profile of evidence-bundle-spec scoped to AI mortgage / appraisal / pricing tool bias coverage. ECOA Reg B + Fair Housing Act protected classes + mortgage dimensions (LTV/DTI bands, MSA, census tract, majority-minority-tract flag). EEOC four-fifths-rule canonical threshold. PropTech-readiness scaffolding, not certification.

AGPL-3.0 reference impl of mortgage-decision-record-audit-stream. Pacific Coast Mortgage × VendorR LoanDecision v5.2 trajectory. 2 invariants: UNIVERSAL human-underwriter on adverse-action-capable kinds + ECOA Reg B 30-day adverse-action notice per 12 CFR §1002.9. Kinetic Gain Suite.

Profile of evidence-bundle-spec scoped to RESPA + TILA-RESPA Integrated Disclosure (TRID) + Section 8 anti-kickback + escrow + ECOA Reg B + HMDA + Fair Housing + GLBA Safeguards + AI vendor procurement. 10 obligation families. PropTech-readiness scaffolding, not certification.

Profile of evidence-bundle-spec scoped to AI financial-services bias coverage. ECOA Reg B + CFPB Section 1071 + CFPB UDAAP + OCC/FRB/FDIC joint AI + four-fifths-rule + business-necessity-defended + redlining-pattern-flagged. FinTech scaffolding, not certification.

Eczema Area and Severity Index (EASI) Components

FinTech Operator: per-state lifecycle ledger of US state banking-regulator regs + state-AG enforcement + state statutes + NMLS-coordinated reqs. First Suite tracker supporting multi-regulation per state (statute + implementing regulation as parallel lifecycle streams). Seed: NY Part 500, CA CCFPL+DFPI 10 CCR, CO SB 24-205, IL HB 3773, TX HB 1709.

3-institution federated credit risk via Flower FedAvg — zero raw data sharing, model poisoning guard, gradient clipping, ECOA compliance

PropTech-specific profile of the AI Procurement Decision Card v0.3 vault contract. Names RESPA (12 CFR 1024), ECOA Reg B (12 CFR 1002), Fair Housing Act, HMDA, GLBA, MLS NAR + 2024 Settlement PII categories + 7-doctrine consent_basis_taxonomy. PropTech-readiness scaffolding, not certification.

Election Commission of Australia

Runnable examples for the CipherExplain Python SDK — encrypted SHAP attributions, ECOA Form C-1 counterfactuals, attestation verification, DP-SHAP, MLP CKKS, tree-attested SHAP, etc.

PropTech audit-stream Operator surface. Per-mortgage-application AI-tool-access events hash-chained for ECOA Reg B + RESPA + HMDA + GLBA Safeguards + CFPB UDAAP + Fair Housing recordkeeping. MISMO/URLA-bridged. human_underwriter_required invariant. JSON Schema + Node verifier.

PropTech Operator: per-state lifecycle ledger of US state real-estate / mortgage / appraisal / tenant-screening AI-disclosure laws. 10-state lifecycle + state-machine + schema-enforced effective/sunset/supersedes invariants. Seed: CA SB 942, CO SB 24-205, IL HB 3773, NY S 1169, TX HB 1709.

FinTech audit-stream Operator: per-consumer-credit / deposit / payment / fraud / AML / robo-advisor / Section-1071-small-business AI tool events hash-chained for CFPB + OCC + FRB + FDIC + ECOA + FCRA + GLBA + BSA-AML evidence. Two invariants: human-credit-officer + FCRA permissible-purpose. Excludes mortgage + insurance.