cto: record FRE-5422 usury enforcement completion

Co-Authored-By: Paperclip <noreply@paperclip.ing>

agents/cto/HEARTBEAT.md

@@ -466,5 +466,12 @@ If `PAPERCLIP_APPROVAL_ID` is set:
 - **Status:** ✅ COMPLETE
 - **Summary:** Compiled comprehensive usury rate caps for all 50 states + D.C. for Lendair compliance
 - **Deliverable:** `docs/compliance/usury-caps.md` in Lendair repo (commit ca58364)
-- **Key findings:** MA (12% constitutional, no exemption), NY (16%), PA (6%), NJ (5%) most restrictive; SD (unlimited for licensed), TX (60%), WI (60%), FL (18%) most favorable
 - **Outcome:** FRE-5421 marked done. FRE-5422 (usury enforcement) unblocked with queued run
+
+### FRE-5422 Usury Rate Cap Enforcement (2026-05-19)
+- **Status:** ✅ COMPLETE
+- **Summary:** Implemented state-specific usury rate cap enforcement for Lendair loan compliance
+- **Files created:** `usury-caps.ts` (51-state config), `usury-validation.ts` (validation service), `usury-validation.test.ts` (30 tests)
+- **Files modified:** `schema.ts` (state field on users, usury audit fields on loans), `loans.ts` (validation in accept/acceptLoan)
+- **Commit:** `dbe861f`
+- **Outcome:** FRE-5422 marked done. All 30 tests pass. Configuration-driven design for easy cap updates.