ecoa

Lightweight Development Platform for the ECOA standard

NYC Local Law 144 bias audit + EU AI Act bias-check. Part of the CSOAI Layer-0: 8 protocols · 100/100 A+++++ · world-leading.

Medable operates a clinical trial technology platform for decentralized and hybrid trials, combining eCOA/ePRO data capture, electronic consent, televisit, and a suite of agentic-AI products (Agent Studio, CRA Agent, PI Summary Review, Digital Data Flow agent) for life-sciences sponsors and CROs.

Election Commission of Australia

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

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.

MIT Capstone: Predicting home equity loan defaults using Gradient Boosting with SHAP explainability and ECOA-compliant adverse action notices

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 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.

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.

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.

Medrio is an eClinical / electronic data capture (EDC) platform built for small and scaling life sciences teams, spanning EDC, ePRO/eCOA, eConsent, and RTSM for clinical trials across pharma, biotech, medtech, and diagnostics. Medrio exposes documented REST APIs for integration and data exchange.

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.

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.

Eczema Area and Severity Index (EASI) Components

Multi-voice deliberation + calibration discipline + spatial audit for regulated AI. 5 voices × 2 verticals, WebXR + WebCrypto hash chain, Brier-audited.

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.

MISMO mortgage → AI governance. ECOA + EU AI Act. Part of the CSOAI Layer-0: 8 protocols · 100/100 A+++++ · world-leading.

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.