Statistical disparate impact analysis for HMDA data — the methodology federal examiners use, open-sourced for community advocates and journalists
The Rego policy library for AI compliance: 94 policies covering the EU AI Act, NIST AI RMF, FAA/EASA/ICAO aviation, FERPA, fair lending, and 10+ more frameworks.
HMDA mortgage lending disparity analyzer — denial rates, racial disparities, lending deserts, and lender benchmarking
CRA exam ratings scraper and analyzer — search FFIEC database, parse Performance Evaluations, identify CDFI partnership opportunities
Predicts U.S. home loan approvals using 4.25M real HMDA 2023 applications — XGBoost, Random Forest, Logistic Regression, ROC-AUC 0.9932
Profile of evidence-bundle-spec scoped to AI financial-services bias coverage. ECOA Reg B + CFPB Section 1071 + CFPB UDAAP + OCC/FRB/FDIC joint AI + four-fifths-rule + business-necessity-defended + redlining-pattern-flagged. FinTech scaffolding, not certification.
FinTech AI Incident Card profile. 15 event types + 4-tier severity + 9 regulator-referral pathways with evaluation-state tracking. Covers CFPB + FCRA + UDAAP + OCC/FRB/FDIC MRA + Section 1071 + BSA/AML + FinCEN + state banking-regulator + class-action filings.
Developed a credit risk framework for GE’s lending team using CRISP-DM and k-NN modeling. Demonstrated how predictive analytics can reduce default losses and improve risk management through scalable, automated workflows.
PropTech Operator: per-state lifecycle ledger of US state real-estate / mortgage / appraisal / tenant-screening AI-disclosure laws. 10-state lifecycle + state-machine + schema-enforced effective/sunset/supersedes invariants. Seed: CA SB 942, CO SB 24-205, IL HB 3773, NY S 1169, TX HB 1709.
Profile of evidence-bundle-spec scoped to RESPA + TILA-RESPA Integrated Disclosure (TRID) + Section 8 anti-kickback + escrow + ECOA Reg B + HMDA + Fair Housing + GLBA Safeguards + AI vendor procurement. 10 obligation families. PropTech-readiness scaffolding, not certification.
Profile of evidence-bundle-spec scoped to AI mortgage / appraisal / pricing tool bias coverage. ECOA Reg B + Fair Housing Act protected classes + mortgage dimensions (LTV/DTI bands, MSA, census tract, majority-minority-tract flag). EEOC four-fifths-rule canonical threshold. PropTech-readiness scaffolding, not certification.
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