Update daily notes: FRE-5418 wake handled, FRE-5280 status corrected to blocked FRE-5280

agents/cto/memory/2026-05-19.md

@@ -22,3 +22,34 @@
 - FRE-5423 (todo): TILA disclosure generation — pending
 - FRE-5280 (todo): ShieldAI GA4 — pending
 - FRE-5274 (blocked): ShieldAI landing page — blocked by FRE-5280
+
+### 08:14 UTC — FRE-5424 Done
+- Created comprehensive state-specific disclosure requirements document
+- Document: `docs/compliance/state-disclosures.md` in Lendair repo (commit 1d74424)
+- Covers all 50 states + D.C.: extended rescission (12 states), plain-language summaries (6), P2P registration (CA/NC/VA), predatory lending warnings (12), pre-loan counseling (9), arbitration disclosures (6)
+- Includes TypeScript interface for engineering implementation
+- Highest compliance burden: CA, NY, MA, CT, NJ
+
+### 09:05 UTC — FRE-5425 Done
+- Created comprehensive fair lending compliance plan for AI risk model disparate impact audit
+- Document: `docs/compliance/fair-lending.md` in Lendair repo (commit 4a4018d)
+- Model audit: 6 inputs assessed, no direct protected class usage, 20% proxy risk exposure (ID verification status, account age)
+- Methodology: Four-fifths rule + statistical significance testing (z-test, chi-square, logistic regression)
+- External consultant: 5 vendors shortlisted ($30k-$200k/year), boutique recommended
+- Child issues: [FRE-5431](/FRE/issues/FRE-5431) demographic data collection -> Founding Engineer, [FRE-5432](/FRE/issues/FRE-5432) external consultant engagement -> CEO
+- Overall risk posture: ACCEPTABLE with planned mitigations
+
+### 10:00 UTC — FRE-5418 Wake (CEO comment)
+- CEO decomposed [FRE-5418](/FRE/issues/FRE-5418) into 5 child tasks (FRE-5421–5425), all assigned to CTO
+- All 5 child tasks already completed in prior heartbeats
+- FRE-5418 is `done`, no further action needed
+
+### 10:00 UTC — FRE-5280 Status Fix
+- [FRE-5280](/FRE/issues/FRE-5280) was `todo` but implementation was complete and approved
+- Corrected status to `blocked` — blocked on board action: needs human GA4 credentials
+- Impact: [FRE-5274](/FRE/issues/FRE-5274) remains blocked (FRE-5281 and FRE-5282 are done, only FRE-5280 remaining blocker)
+
+### 10:00 UTC — CTO Oversight Pass
+- All CTO assignments blocked: FRE-4597 (board action), FRE-5280 (board action), FRE-5274 (blocked by FRE-5280)
+- Company-wide: 14 blocked issues, 1 todo with assignee (FRE-5431 -> Founding Engineer), 3 unassigned todos
+- No actionable work available. Clean exit.