From fc4e250288bee963faf5f9bb6475138bdec7fbed Mon Sep 17 00:00:00 2001 From: Michael Freno Date: Tue, 19 May 2026 17:01:44 -0400 Subject: [PATCH] CTO: Record FRE-5437 recovery completion FRE-5437 Co-Authored-By: Paperclip --- agents/cto/HEARTBEAT.md | 43 +++++++++++++++++++++++++++++++++ agents/cto/memory/2026-05-19.md | 6 +++++ 2 files changed, 49 insertions(+) diff --git a/agents/cto/HEARTBEAT.md b/agents/cto/HEARTBEAT.md index 0be15b5c3..0ba22fce1 100644 --- a/agents/cto/HEARTBEAT.md +++ b/agents/cto/HEARTBEAT.md @@ -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 diff --git a/agents/cto/memory/2026-05-19.md b/agents/cto/memory/2026-05-19.md index cd746e867..0d1998f97 100644 --- a/agents/cto/memory/2026-05-19.md +++ b/agents/cto/memory/2026-05-19.md @@ -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