KG Kinetic Gain Protocol Suite OPEN AI GOVERNANCE SPECS
FinTech vertical 6-pack

FinTech / Consumer + Small Business Credit AI
6 sibling specs · 1 canonical shape per artifact

Six sibling specs for AI tools that touch consumer credit, deposit account opening, payment authorization, fraud detection, AML / KYC, robo-advisors, and CFPB Section 1071 small business lending. The Suite vertical 6-pack that lets a bank, credit union, neobank, or fintech publish Decision Cards a CFPB examiner + OCC / FRB / FDIC supervisor + state-banking-regulator examiner can validate. Distinct from PropTech (mortgage-only).

See the 6 repos All six verticals →

Regulatory floor

CFPB AI bulletin (2023) · CFPB Section 1071 small business · CFPB Section 1033 financial data rights · CFPB UDAAP (12 CFR Part 1031) · OCC / FRB / FDIC joint AI statement (2023) · OCC Bulletin 2011-12 model-risk-management · FRB SR 11-7 · ECOA Reg B (12 CFR Part 1002) · FCRA Reg V (12 CFR Part 1022) · GLBA Safeguards (16 CFR Part 314) · GLBA Financial Privacy (12 CFR Part 1016) · BSA/AML (31 CFR Part 1010) · SEC/FINRA investment-recommendation best-interest

Canonical example anchored throughout the 6-pack

Key design innovation vs sibling-vertical equivalents

TWO orthogonal invariants on audit stream (human-credit-officer + FCRA permissible-purpose required on every credit-bureau pull); first Suite tracker supporting multi-regulation per state (CA CCFPL statute + DFPI 10 CCR 1060-1077 as parallel lifecycle streams); business-necessity-defended + redlining-pattern-flagged coverage statuses; primary-federal-supervisor-notification regulator routing (OCC/FRB/FDIC/NCUA per institution type); Section 1033 data-portability window in retention envelope.

The six sibling specs

Every Kinetic Gain Protocol Suite vertical 6-pack contains exactly these six artifact shapes. The same six shapes appear in every vertical — only the per-vertical content (data categories, regulatory basis, invariants) differs.

Operator regulatory-lifecycle

state-financial-ai-disclosure-tracker

First Suite tracker supporting multi-regulation per state (CA CCFPL + DFPI 10 CCR as parallel streams); seed: NY Part 500, CA CCFPL+DFPI, CO SB 24-205, IL HB 3773, TX HB 1709

Evidence Bundle (compliance)

cfpb-readiness-evidence-bundle

8 obligation families: MRM (OCC 2011-12 + FRB SR 11-7) + ECOA Reg B + FCRA Reg V + GLBA + BSA/AML + Section 1071 + Section 1033 + CFPB UDAAP

Evidence Bundle (bias)

financial-applicant-bias-coverage-lab

business-necessity-defended + redlining-pattern-flagged statuses; Section 1071 minority/women/LGBTQI-owned business dimensions

Incident Card

financial-ai-incident-card-profile

primary-federal-supervisor-notification routing (OCC/FRB/FDIC/NCUA per institution type); fincen-sar-narrative-update; cfpb-fair-lending-referral

Decision Card vault contract

financial-customer-data-vault-contract-profile

17 categories incl. alternative-data feeds (Plaid, MX, Yodlee, Klarna, Afterpay, Affirm, UltraFICO) under Section 1033; data-portability window in retention envelope

Why parallel structure matters

A buyer's procurement team operating across mixed regulated verticals — HealthTech AI vendors plus FinTech AI vendors plus HR Tech AI vendors — can apply the same six-shape Suite vocabulary to every vendor in every vertical. The kg-suite-vertical-router tool routes any artifact to the right vertical's verification logic with one CLI command. The kg-suite-vertical-comparator tool surfaces the SAME-vs-DIFFERENT design contributions across all six verticals as a single reference table.