ZIP-as-proxy = redlining pattern — AI screening in DOJ crosshairs
—HUD AI guidance enforcement wave
Regulatory exposure — commonly overlooked:
Adverse action notice requires what data AI used — receipt IS the notice infrastructure. · Swiss reinsurance hub — Munich Re, Swiss Re need asymmetry data with Swiss privacy compliance.
TAM / Exposure
44M US renter households · algorithmic screening litigation
Insurance lines
Landlord liability · Fair housing E&O
Exhibit authority
Switzerland FINMA AI Pack — FCRA §615 + Fair Housing AI Screening Pack
Global leaders
HUD · RealPage (litigation) · AppFolio · Zillow · DOJ Civil Rights · FINMA · Swiss Re · Munich Re
RealPage ripple
Property mgmt AI pricing/screening consolidated — systemic fair housing exposure.
FCRA 30-day clock
Adverse action without specific factors = automatic statutory damages pattern.
Insurance bind
Landlord policies increasingly ask if AI screening used — silent = E&O for broker.
[Switzerland] Reinsurance capital
Geneva/Zurich reinsurers price AI risk — actuarial feed jurisdiction-scoped.
[Switzerland] Banking secrecy
Swiss bank AI — FINMA documentation expectations exceed EU for trading AI.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory ClockCountdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.Open →
Domain ClassifierIndustry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.Open →
Exhibit / Filing PackRegulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.Open →
Mandate RegistryEnroll deployers/insureds under vertical-specific governance mandate.Open →