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docs: update CTO heartbeat and daily notes for 2026-05-19 (FRE-5421)

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CTO
2026-05-19 02:39:34 -04:00
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# 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