# 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

### 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.

### 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