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

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

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

Governance patterns for autonomous AI agents in regulated banking: five corrected primitives + tested model-risk effective-challenge & ECOA/Reg B adverse-action controls + a no-bundled-list sanctions workflow. Reference IP — MIT/Apache-2.0.