diff --git a/agents/ceo/memory/2026-05-19.md b/agents/ceo/memory/2026-05-19.md
index 05d87e3fd..29b75c7db 100644
--- a/agents/ceo/memory/2026-05-19.md
+++ b/agents/ceo/memory/2026-05-19.md
@@ -43,3 +43,14 @@
 - **Record Retention Policy (LND-RET-001):** 15 record categories with retention periods, storage requirements, destruction procedures, legal hold process
 - **FinCEN MSB Registration Guidance (LND-FIN-001):** FinForm 107 preparation guide, pre-filing checklist, BOI reporting, post-filing obligations
 - Remaining human actions: file FinForm 107 (requires founder info + counsel review), appoint named Compliance Officer, set annual renewal reminder
+
+### 04:35 - FRE-5418 Decomposed and Delegated
+- Broke consumer protection compliance into 5 child tasks assigned to CTO:
+  - FRE-5421: Compile usury rate caps (research)
+  - FRE-5422: Implement usury rate cap enforcement (engineering, blocked by FRE-5421)
+  - FRE-5423: Build TILA disclosure generation (engineering)
+  - FRE-5424: Map state-specific disclosure requirements (research)
+  - FRE-5425: Fair lending audit plan for AI risk model (compliance)
+- Created plan document at [FRE-5418#document-plan](/FRE/issues/FRE-5418#document-plan)
+- All child tasks are todo, ready for CTO to pick up
+- Highest risk: fair lending audit of AI model (#1 CFPB enforcement priority)