ECOA / Regulation B — Equal Credit Opportunity Act · vECOA (15 U.S.C. §1691 et se…

ECOA / Regulation B — Equal Credit Opportunity Act

ECOA / Regulation B — Equal Credit Opportunity Act — 83% of in-scope requirements covered.

4 requirements · 3 in scope (2 enforced · 1 designed) · 1 out-of-scope (outside KYE™’s authority layer). The 83% is weighted over the in-scope base.

Source: https://www.consumerfinance.gov/rules-policy/regulations/1002/ (12 C.F.R. Part 1002, Regulation B implementing 15 U.S.C. §1691) · License: ECOA / Regulation B are US federal law / a US government regulation in the public domain; the KYE™ registry paraphrases each requirement's intent and cites the official section identifier for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Credit-decision authority at the action boundary 1 1 0 0 0 100%
Adverse-action notice with specific reasons 1 1 0 0 0 100%
Prohibited-basis non-discrimination evidence 1 0 1 0 0 50%
Fair-lending statistical analysis & model fairness 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
ecoa-reg-b.credit-decision-named-authority A consequential credit decision (approve / decline / price / set terms) executes only under a recorded named-authority decision, purpose-scoped to the credit transaction enforced rule_packs: kye:rule-pack:agentic-lending
engines: internal, internal
audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
ecoa-reg-b.adverse-action-decision-map An adverse action on credit carries a specific statement of the principal reasons (a Decision Map™), bound to a contestability route, before it is communicated (12 C.F.R. §1002.9) enforced rule_packs: kye:rule-pack:agentic-lending
engines: internal
audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md
ecoa-reg-b.prohibited-basis-non-discrimination-evidence Evidence that a credit decision was made on permitted factors and not on a prohibited basis is captured at the moment of the decision designed rule_packs: kye:rule-pack:agentic-lending
audit_events: kye.evidence.decision_map.v1, kye.compliance.attestation.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/30-AUDIT-WORM-RETENTION.md
ecoa-reg-b.fair-lending-statistical-analysis The disparate-impact / fair-lending statistical analysis and the credit model's fairness are determined and validated out-of-scope (no enforcement cited)