ZIP-as-proxy = redlining pattern — AI screening in DOJ crosshairs
—HUD AI guidance enforcement wave
Regulatory exposure — commonly overlooked:
Adverse action notice requires what data AI used — receipt IS the notice infrastructure. · APRA expects bank AI incident documentation within 72h — receipt enables notification.
TAM / Exposure
44M US renter households · algorithmic screening litigation
Insurance lines
Landlord liability · Fair housing E&O
Exhibit authority
Australia APRA AI Pack — FCRA §615 + Fair Housing AI Screening Pack
Global leaders
HUD · RealPage (litigation) · AppFolio · Zillow · DOJ Civil Rights · APRA · Commonwealth Bank · BHP
RealPage ripple
Property mgmt AI pricing/screening consolidated — systemic fair housing exposure.
FCRA 30-day clock
Adverse action without specific factors = automatic statutory damages pattern.
Insurance bind
Landlord policies increasingly ask if AI screening used — silent = E&O for broker.
[Australia] Mining + AI
Australia resource sector AI — WHS obligations for automated safety decisions.
[Australia] Insurance pool
APRA general insurance AI pricing scrutiny — asymmetry feed relevant.
[Text / Chat] Modality hook
Baseline — all frameworks apply to text decisions.
7 mandate layers (live)
Regulatory ClockCountdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.Open →
Domain ClassifierIndustry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.Open →
Exhibit / Filing PackRegulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.Open →
Mandate RegistryEnroll deployers/insureds under vertical-specific governance mandate.Open →