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.

ECOA / Regulation B: requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. credit-decision-named-authority · enforced

    A consequential credit decision (approve / decline / price / set terms) executes only under a recorded…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1 · Constitution: 12 purpose permission

  2. adverse-action-decision-map · enforced

    An adverse action on credit carries a specific statement of the principal reasons (a Decision Map™), bound to…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Constitution: 13 resilience loop, 61 rights disputes disclosure rail

  3. prohibited-basis-non-discrimination-evidence · designed

    Evidence that a credit decision was made on permitted factors and not on a prohibited basis is captured at…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.evidence.decision_map.v1, kye.compliance.attestation.v1 · Constitution: 13 resilience loop, 30 audit worm retention

  4. fair-lending-statistical-analysis · out-of-scope

    The disparate-impact / fair-lending statistical analysis and the credit model's fairness are determined and…

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

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 boundary11000100%
Adverse-action notice with specific reasons11000100%
Prohibited-basis non-discrimination evidence1010050%
Fair-lending statistical analysis & model fairness100000%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
ecoa-reg-b.credit-decision-named-authorityA consequential credit decision (approve / decline / price / set terms) executes only under a recorded named-authority decision, purpose-scoped to the credit transactionenforcedrule_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-mapAn 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)enforcedrule_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-evidenceEvidence that a credit decision was made on permitted factors and not on a prohibited basis is captured at the moment of the decisiondesignedrule_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-analysisThe disparate-impact / fair-lending statistical analysis and the credit model's fairness are determined and validatedout-of-scope(no enforcement cited)

Canonical KYE™ surfaces referenced on this page: KYE Protocol™.