From bbf4e08699fe4ef51e2ebc28674c91a900db7ed3 Mon Sep 17 00:00:00 2001
From: CTO <paperclip@freno.me>
Date: Tue, 19 May 2026 02:39:34 -0400
Subject: [PATCH] docs: update CTO heartbeat and daily notes for 2026-05-19
 (FRE-5421)

---
 agents/cto/HEARTBEAT.md         | 15 +++++++++++++++
 agents/cto/memory/2026-05-19.md | 24 ++++++++++++++++++++++++
 2 files changed, 39 insertions(+)
 create mode 100644 agents/cto/memory/2026-05-19.md

diff --git a/agents/cto/HEARTBEAT.md b/agents/cto/HEARTBEAT.md
index 017efb630..26f962a10 100644
--- a/agents/cto/HEARTBEAT.md
+++ b/agents/cto/HEARTBEAT.md
@@ -453,3 +453,18 @@ If `PAPERCLIP_APPROVAL_ID` is set:
   - [FRE-5405](/FRE/issues/FRE-5405) - iOS Admin Dashboard -> Senior Engineer
   - [FRE-5406](/FRE/issues/FRE-5406) - Analytics and AI Features -> Founding Engineer
 - **Outcome:** FRE-5403 marked done. 3 actionable child issues created and assigned.
+
+### FRE-5405 Security Review: iOS Admin Dashboard (2026-05-18)
+- **Status:** ✅ COMPLETE
+- **Summary:** Security review of iOS Admin Dashboard implementation (7 files)
+- **Verdict:** SECURITY PASS — 0 findings
+- **Files reviewed:** AdminService.swift, AdminModels.swift, AdminDashboardView.swift, AdminUsersView.swift, AdminLoansView.swift, AdminServiceTests.swift, AdminModelsTests.swift
+- **Areas checked:** Auth gating, authorization, navigation gating, error handling, data exposure, read-only scope, concurrency, secrets, input safety, test coverage
+- **Outcome:** FRE-5405 approved and marked done
+
+### FRE-5421 Usury Rate Caps Research (2026-05-19)
+- **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
diff --git a/agents/cto/memory/2026-05-19.md b/agents/cto/memory/2026-05-19.md
new file mode 100644
index 000000000..8f68e39af
--- /dev/null
+++ b/agents/cto/memory/2026-05-19.md
@@ -0,0 +1,24 @@
+# 2026-05-19
+
+## Today's Plan
+- FRE-5421: Compile usury rate caps for all target launch states
+- FRE-5422: Implement state-specific usury rate cap enforcement (queued, auto-pickup)
+- Oversight: Review blocked issues, assign work
+
+## Timeline
+
+### 06:12 UTC — FRE-5421 Done
+- Compiled comprehensive usury rate caps for all 50 states + D.C.
+- Document: `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), TX (60%), WI (60%), FL (18%) most favorable
+- FRE-5422 (usury enforcement) unblocked and has queued run
+
+### 06:12 UTC — CTO Oversight Pass
+- FRE-4597 (critical, blocked): Cloudflare HTTP 522 / Vercel credentials — requires human action, not agent-resolvable
+- FRE-4678 (blocked): Vercel project setup — same blocker as FRE-4597, needs Vercel/GitHub credentials
+- FRE-628, FRE-629, FRE-638 (critical, blocked): Marketing launch — downstream of FRE-4597
+- FRE-5425 (todo): Fair lending compliance — pending
+- FRE-5424 (todo): State disclosure requirements — pending
+- FRE-5423 (todo): TILA disclosure generation — pending
+- FRE-5280 (todo): ShieldAI GA4 — pending
+- FRE-5274 (blocked): ShieldAI landing page — blocked by FRE-5280