VELARU MANDATE EXHIBIT PACK — AI TENANT SCREENING / FAIR HOUSING
Jurisdiction: Switzerland (ch)
Modality: Text / Chat
Program: Velaru AI Tenant Screening / Fair Housing · Switzerland (galactic_tenant_screening_ch)
Product ID: tenant_screening:ch:bundle:text
Vertical: tenant_screening
Generated: 2026-08-22T23:54:42.603461Z
Authority: Switzerland FINMA AI Pack — FCRA §615 + Fair Housing AI Screening Pack
Deadline: HUD AI guidance enforcement wave
Velaru verify: https://velaru-erra.onrender.com/verify

EXHIBIT A — AI INVENTORY
[]

EXHIBIT B — GOVERNANCE FRAMEWORK
{
  "framework": "Velaru Mandate Registry \u2014 AI Tenant Screening / Fair Housing",
  "exhibit_authority": "Switzerland FINMA AI Pack \u2014 FCRA \u00a7615 + Fair Housing AI Screening Pack",
  "regulatory_frameworks": [
    "Fair Housing Act",
    "FCRA Section 615",
    "HUD AI guidance",
    "ADA Title III",
    "EU AI Act Annex III",
    "Revised FADP",
    "FINMA AI guidance",
    "Swiss AI policy"
  ],
  "standards_alignment": [
    "POSS-2",
    "DRP-1",
    "TCB",
    "FRE 707 pre-compliance",
    "ISO 42001"
  ],
  "human_oversight": "approve/deny rental application",
  "third_party_verification": "https://velaru-erra.onrender.com/verify (operator-independent)",
  "data_lineage": "Hash-chained Ed25519 receipts; optional RFC3161 + external anchor",
  "mirror_trap": "Adverse action notice requires what data AI used \u2014 receipt IS the notice infrastructure. \u00b7 Swiss reinsurance hub \u2014 Munich Re, Swiss Re need asymmetry data with Swiss privacy compliance.",
  "chain_integrity": {
    "depth": 6,
    "invariant_holds": true
  }
}

EXHIBIT D — DATA INPUTS & VALIDATION
{
  "data_validation_method": "Cryptographic receipt per AI decision; public verify without trusting deployer, vendor, or Velaru operator",
  "bias_testing_proxy": "Asymmetry score from live chain signals",
  "model_change_control": "Policy lock registry \u2014 criteria hash frozen pre-dispute",
  "logging_retention": "90-day pre-dispute window minimum; permanent verify permalinks",
  "external_validator": "Nisaba LLC / Velaru",
  "validator_independence": "Client-side Ed25519 verify; BYOK tri-receipt optional",
  "headline_stat": "ZIP-as-proxy = redlining pattern \u2014 AI screening in DOJ crosshairs",
  "global_leaders_addressed": [
    "HUD",
    "RealPage (litigation)",
    "AppFolio",
    "Zillow",
    "DOJ Civil Rights",
    "FINMA",
    "Swiss Re",
    "Munich Re"
  ]
}

MIRROR TRAP (regulatory insight)
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.

NERVE CARDS — WHY GLOBAL LEADERS CARE
[
  {
    "title": "RealPage ripple",
    "body": "Property mgmt AI pricing/screening consolidated \u2014 systemic fair housing exposure.",
    "source": "vertical"
  },
  {
    "title": "FCRA 30-day clock",
    "body": "Adverse action without specific factors = automatic statutory damages pattern.",
    "source": "vertical"
  },
  {
    "title": "Insurance bind",
    "body": "Landlord policies increasingly ask if AI screening used \u2014 silent = E&O for broker.",
    "source": "vertical"
  },
  {
    "title": "[Switzerland] Reinsurance capital",
    "body": "Geneva/Zurich reinsurers price AI risk \u2014 actuarial feed jurisdiction-scoped.",
    "source": "jurisdiction"
  },
  {
    "title": "[Switzerland] Banking secrecy",
    "body": "Swiss bank AI \u2014 FINMA documentation expectations exceed EU for trading AI.",
    "source": "jurisdiction"
  },
  {
    "title": "[Text / Chat] Modality hook",
    "body": "Baseline \u2014 all frameworks apply to text decisions.",
    "source": "modality"
  }
]

BOOK SUMMARY: {
  "total_insureds": 0,
  "compliant": 0,
  "grace_period": 0,
  "non_compliant": 0,
  "expired": 0,
  "not_enrolled": 0,
  "compliant_pct": 0.0
}

TAM / EXPOSURE: 44M US renter households · algorithmic screening litigation
INSURANCE LINES: Landlord liability, Fair housing E&O

DISCLAIMER: External validation evidence pack — not legal advice, not filed rate approval.