---
title: "ECOA / Regulation B — Equal Credit Opportunity Act — KYE Protocol™ coverage"
description: "ECOA / Regulation B — Equal Credit Opportunity Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/ecoa-reg-b/
lang: en
source: "KYE Protocol"
---

> ECOA / Regulation B — Equal Credit Opportunity Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

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

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| 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

| ID | Title | Status | KYE™ 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)_ |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).