ecoa

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.

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.

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.

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.