mortgage-decision-record-audit-stream
MISMO + URLA-bridged audit events; human_underwriter_required invariant
Six sibling specs for AI tools that touch mortgage applications, MLS data, title chains, appraisals, and tenant screening. The Suite vertical 6-pack that lets a mortgage lender, broker, AVM vendor, or title insurer publish Decision Cards a CFPB examiner + DOJ fair-lending attorney + HUD investigator can validate.
RESPA (12 CFR Part 1024) · ECOA Reg B (12 CFR Part 1002) · TILA-RESPA Integrated Disclosure · Fair Housing Act (42 USC §3604) · HMDA (12 CFR Part 1003) · GLBA Safeguards (16 CFR Part 314) · CFPB UDAAP · ALTA Best Practices · NAR 2024 Settlement
MISMO + Fannie Mae URLA semantics; human_underwriter_required = true universal on adverse-action events; EEOC four-fifths-rule canonical threshold in bias coverage; LTV / DTI bands + MSA + majority-minority-tract flag dimensions.
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.
mortgage-decision-record-audit-streamMISMO + URLA-bridged audit events; human_underwriter_required invariant
state-real-estate-ai-disclosure-tracker50-state real-estate / mortgage / appraisal / tenant-screening AI law lifecycle
respa-readiness-evidence-bundle10 obligation families (RESPA, ECOA Reg B, TRID, FHA, HMDA, GLBA, CFPB UDAAP, ALTA, NAR 2024, state laws)
mortgage-applicant-bias-coverage-labECOA Reg B 9 classes + Fair Housing Act 7 classes + LTV/DTI/MSA dimensions; EEOC four-fifths-rule canonical
title-chain-evidence-incident-card-profileCFPB UDAAP + ECOA + Fair Housing + RESPA Section 8 + title-chain integrity event taxonomies
mls-data-access-vault-contract-profileRESPA + ECOA + Fair Housing + MLS + GLBA data categories + 7-doctrine consent_basis
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.