← Mandate Registry · 7 mandate layers · payday_lending
financial · NYDFS Circular Letter on AI · NYC Local Law 144 · Martin Act
Payday Lending / EWA Credit
Refused to fund — adverse action receipt for deployer file
—Predatory lending AI underwriting scrutiny
Regulatory exposure — commonly overlooked:
Lender uses AI score — lender owns usury finding, vendor owns model card theater. · Local Law 144 requires annual bias audit — Velaru receipts are continuous audit, not annual snapshot.
Fund/refuse bind
Same engine as mortgage — different vertical param.
BNPL impulse
2am approval — receipt proves gate existed.
Regulatory heat
CFPB wants explainability — verify URL not PDF.
[New York] Financial capital
NYDFS regulates insurers AND banks — same receipt primitive for both books.
[New York] Hiring audit law
NYC AEDT law is template for other cities — receipt architecture scales municipally.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory Clock
Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.
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Domain Classifier
Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.
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Exhibit / Filing Pack
Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.
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Mandate Registry
Enroll deployers/insureds under vertical-specific governance mandate.
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Bind / Action Gate
ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker.
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Compliance Certificate
Deployer-facing downloadable cert — forward to counsel, auditor, regulator.
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Actuarial / Risk Feed
Anonymized asymmetry signals for pricing, reserving, reinsurance correlation.
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