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

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

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