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housing_consumer · ECOA · Fair Housing Act · Fannie Mae LL-2026-04

AI Credit Scoring / Lending

First US sector-specific AI mandate — QC must query which AI influenced which loan

—FL HB 919 AI disclosure + property insurance crisis

Regulatory exposure — commonly overlooked:
Freddie requires segregation of duties + audit trails Fannie omits — lenders selling to both must build to the stricter standard. Velaru is that standard. · Florida property insurers using AI for claims while Citizens backs up market — AI claim denial = political lightning rod.

TAM / Exposure

$12T+ US residential origination · every GSE seller/servicer

Insurance lines

E&O · Rep & warranty · Cyber

Exhibit authority

Florida OIR AI Pack — GSE AI Governance QC Audit Pack

Global leaders

Fannie Mae · Freddie Mac · Rocket Mortgage · Wells Fargo · CFPB · Florida OIR · Citizens Property · Universal Property

50 days to compliance

Inventory all AI in origination/servicing — embedded SaaS counts. Per-loan decision record or fail QC.

Fair lending discovery

ECOA adverse action requires specific reasons — AI black box without receipt = automatic CFPB referral pattern.

Vendor illusion

Lender owns GSE indemnity for vendor AI — same Mobley logic as hiring, different regulator.

[Florida] Hurricane claims AI

Post-Idalia/Ian claims AI scrutiny — bad faith with AI lowball estimate.

[Florida] Surplus lines

Florida largest homeowners market collapse — AI underwriting receipt mandatory for OIR exam.

[Text / Chat] Modality hook

Baseline — all frameworks apply to text decisions.

7 mandate layers (live)

Regulatory Clock Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition. Open →

Domain Classifier Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping. Open →

Exhibit / Filing Pack Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11. Open →

Mandate Registry Enroll deployers/insureds under vertical-specific governance mandate. Open →

Bind / Action Gate ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker. Open →

Compliance Certificate Deployer-facing downloadable cert — forward to counsel, auditor, regulator. Open →

Actuarial / Risk Feed Anonymized asymmetry signals for pricing, reserving, reinsurance correlation. Open →

Run mortgage demo Regulatory calendar Download exhibit pack Verify independently