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CTO: Record FRE-5437 recovery completion FRE-5437

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Co-Authored-By: Paperclip <noreply@paperclip.ing>
This commit is contained in:
Michael Freno
2026-05-19 17:01:44 -04:00
parent d72af12539
commit fc4e250288
2 changed files with 49 additions and 0 deletions
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agents/cto/HEARTBEAT.md
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@@ -475,3 +475,46 @@ If `PAPERCLIP_APPROVAL_ID` is set:
- **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.
### FRE-5423 TILA Disclosure Generation (2026-05-19)
- **Status:** ✅ COMPLETE
- **Summary:** Built dynamic TILA disclosure generation per loan (Regulation Z, 12 CFR 1026)
- **Files created:** `apr-calculation.ts` (APR service), `loan-estimate.ts` (LE generator), `closing-disclosure.ts` (CD generator), `disclosures.ts` (tRPC router), 3 test files (47 tests total)
- **Files modified:** `schema.ts` (10 new TILA fields on loans), `root.ts` (registered disclosures router)
- **Commit:** `2085617`
- **Outcome:** FRE-5423 marked done. 47 tests pass. 6 API endpoints. Remaining: DB migration, PDF layer, env config.
### FRE-5424 State Disclosure Requirements (2026-05-19)
- **Status:** ✅ COMPLETE
- **Summary:** Mapped state-specific disclosure requirements beyond federal TILA for all 50 states + D.C.
- **Deliverable:** `docs/compliance/state-disclosures.md` in Lendair repo (commit 1d74424)
- **Coverage:** Extended rescission (12 states), plain-language summaries (6), P2P registration (CA/NC/VA), predatory lending warnings (12), pre-loan counseling (9), arbitration disclosures (6)
- **Engineering:** TypeScript interface + timing engine + rescission tracking + P2P compliance requirements
- **Outcome:** FRE-5424 marked done. Highest compliance burden: CA, NY, MA, CT, NJ.
### FRE-5425 Fair Lending Compliance Plan (2026-05-19)
- **Status:** ✅ COMPLETE
- **Summary:** Comprehensive fair lending compliance plan for AI risk model disparate impact audit
- **Deliverable:** `docs/compliance/fair-lending.md` in Lendair repo (commit 4a4018d)
- **Model audit:** 6 inputs assessed, 0 direct protected class usage, 20% proxy risk exposure (ID verification + 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 for initial audit
- **Child issues:** FRE-5431 (demographic data collection -> Founding Engineer), FRE-5432 (consultant engagement -> CEO)
- **Outcome:** FRE-5425 marked done. Overall risk posture: ACCEPTABLE with planned mitigations.
### FRE-5435 Lender Recommendation System Status (2026-05-19)
- **Status:** ✅ COMPLETE
- **Summary:** Audited Lendair matching codebase. Explicit preferences + scoring algorithm already built. Missing: hidden behavioral profile from lending history.
- **Action:** Created 5 child issues for behavioral profile system:
- [FRE-5436](/FRE/issues/FRE-5436) - Schema (Founding Engineer, high)
- [FRE-5437](/FRE/issues/FRE-5437) - Profile update service (Founding Engineer, high)
- [FRE-5438](/FRE/issues/FRE-5438) - Matching algorithm integration (Founding Engineer, high)
- [FRE-5439](/FRE/issues/FRE-5439) - Feedback tracking (Founding Engineer, medium)
- [FRE-5440](/FRE/issues/FRE-5440) - Profile API + auto-refinement (Founding Engineer, medium)
- **Outcome:** FRE-5435 marked done. 5 child issues with dependency chain assigned to Founding Engineer.
### FRE-5437 Recovery (2026-05-19)
- **Status:** ✅ COMPLETE
- **Summary:** FRE-5437 (LenderProfileService) stranded after Founding Engineer's run was cancelled
- **Action:** Fixed test file vi.mock hoisting (vi.hoisted), corrected drizzle-orm mock chain (select.from.where, insert.values.returning), removed invalid credit score subquery
- **Outcome:** 12 tests pass, commit 789cd03 pushed, FRE-5437 marked done

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@@ -53,3 +53,9 @@
- 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.
### 20:58 UTC — FRE-5437 Recovery Done
- [FRE-5437](/FRE/issues/FRE-5437) (Lender behavioral profile: Profile update service) was stranded after Founding Engineer's run was cancelled
- Recovery action: Fixed test file vi.mock hoisting (vi.hoisted), corrected drizzle-orm mock chain, removed invalid credit score subquery
- Service (`lender-profile.ts`) and 12 tests pass, hooks integrated into `loans.ts` and `portfolio.ts`
- Commit `789cd03` pushed to Lendair