@huddle-marketplace/skills 0.2.0

package/dist/jurisdictions/ca-bc/index.js

@@ -0,0 +1,212 @@
+/**
+ * CA-BC — British Columbia Residential Tenancy Act
+ *
+ * BC has stringent tenant protection laws:
+ * - Security deposits limited to 50% of monthly rent (RTA s.19(1))
+ * - Mutual written consent required for deposit investment (RTA s.19)
+ * - 100% principal protection required at all times (RTA s.20)
+ * - Tenants entitled to interest on deposits (RTA s.19(3))
+ * - RTB (Residential Tenancy Branch) compliance required
+ * - Dispute resolution must be available
+ */
+import { BaseSkill } from "../../base.js";
+export class CABCSkill extends BaseSkill {
+    id = "huddle-compliance-ca-bc";
+    name = "British Columbia Residential Tenancy Act";
+    jurisdiction = "CA-BC";
+    version = "1.0.0";
+    capabilities = [
+        "deposit-validation",
+        "deposit-interest",
+        "deposit-return",
+    ];
+    async validate(input) {
+        if (input.type !== "deposit-validation") {
+            return this.buildResult([{
+                    name: "input-type",
+                    passed: false,
+                    confidence: 1.0,
+                    note: `BC skill currently supports deposit-validation, received: ${input.type}`,
+                }], input);
+        }
+        const deposit = input;
+        const checks = [
+            this.checkMutualAssent(deposit),
+            this.checkPrincipalProtection(deposit),
+            this.checkDepositLimit(deposit),
+            this.checkInterestSharing(deposit),
+            this.checkRTBCompliance(deposit),
+        ];
+        return this.buildResult(checks, input);
+    }
+    /**
+     * BC RTA Section 19: Mutual Assent Requirement
+     * Both landlord and tenant must explicitly consent to deposit investment
+     */
+    checkMutualAssent(input) {
+        const landlordConsent = input.landlordConsentSignature !== undefined;
+        const tenantConsent = input.tenantConsentSignature !== undefined;
+        const mutualAssentTimestamp = input.mutualAssentTimestamp;
+        const consentIsRecent = mutualAssentTimestamp
+            ? (Date.now() - mutualAssentTimestamp) < 31536000000 // 1 year
+            : false;
+        const passed = landlordConsent && tenantConsent && consentIsRecent;
+        return {
+            name: "mutual-assent",
+            passed,
+            confidence: 1.0,
+            note: passed
+                ? "Both landlord and tenant have provided recent written consent for deposit investment"
+                : "Mutual written consent from both parties required for wBTC bond investment",
+            citation: {
+                statute: "BC Residential Tenancy Act",
+                section: "Section 19",
+                summary: "Both landlord and tenant must provide explicit written consent for any deposit investment or alternative holding arrangement",
+                url: "https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/02078_01",
+            },
+            details: {
+                landlordConsent,
+                tenantConsent,
+                consentIsRecent,
+            },
+        };
+    }
+    /**
+     * BC RTA Section 20: Principal Protection Guarantee
+     * Full deposit value must be available for return at all times
+     */
+    checkPrincipalProtection(input) {
+        const currentValue = input.collateralValueCents ?? 0;
+        const originalDeposit = input.originalDepositValueCents ?? 0;
+        const protectionRatio = originalDeposit > 0 ? currentValue / originalDeposit : 1;
+        const passed = protectionRatio >= 1.0;
+        return {
+            name: "principal-protection",
+            passed,
+            confidence: 1.0,
+            note: passed
+                ? `Principal fully protected (${(protectionRatio * 100).toFixed(0)}% of original deposit)`
+                : `Principal protection ratio ${(protectionRatio * 100).toFixed(0)}% is below 100% requirement`,
+            citation: {
+                statute: "BC Residential Tenancy Act",
+                section: "Section 20",
+                summary: "100% principal protection required — current value must equal or exceed original deposit",
+            },
+            details: {
+                currentValueCents: currentValue,
+                originalDepositCents: originalDeposit,
+                protectionRatio,
+            },
+        };
+    }
+    /**
+     * BC RTA Section 19(1): Deposit Limit
+     * Security deposit cannot exceed 50% of monthly rent
+     */
+    checkDepositLimit(input) {
+        const depositAmount = input.depositAmountCents;
+        const monthlyRent = input.monthlyRentCents;
+        const maxAllowed = Math.floor(monthlyRent * 0.5);
+        const withinLimit = depositAmount <= maxAllowed;
+        return {
+            name: "deposit-limit",
+            passed: withinLimit,
+            confidence: 1.0,
+            note: withinLimit
+                ? `Deposit ($${(depositAmount / 100).toFixed(2)}) is within 50% of monthly rent limit ($${(maxAllowed / 100).toFixed(2)})`
+                : `Deposit ($${(depositAmount / 100).toFixed(2)}) exceeds 50% of monthly rent ($${(maxAllowed / 100).toFixed(2)})`,
+            citation: {
+                statute: "BC Residential Tenancy Act",
+                section: "Section 19(1)",
+                summary: "Security deposit must not exceed one half of the monthly rent",
+                url: "https://www.bclaws.gov.bc.ca/civix/document/id/complete/statreg/02078_01",
+            },
+            details: {
+                depositAmountCents: depositAmount,
+                monthlyRentCents: monthlyRent,
+                maxAllowedCents: maxAllowed,
+            },
+        };
+    }
+    /**
+     * BC RTA Section 19(3): Interest Sharing
+     * Tenants are entitled to interest earned on deposits
+     */
+    checkInterestSharing(input) {
+        const hasYieldSplit = input.yieldShareActive === true;
+        const tenantShare = input.tenantYieldPercentage ?? 0;
+        const fairShare = tenantShare >= 85;
+        const passed = hasYieldSplit && fairShare;
+        return {
+            name: "interest-sharing",
+            passed,
+            confidence: 1.0,
+            note: passed
+                ? `Yield split active with ${tenantShare}% tenant share (minimum 85% required)`
+                : hasYieldSplit
+                    ? `Tenant yield share ${tenantShare}% is below the 85% minimum`
+                    : "Yield-bearing deposit must have active yield split with tenant receiving at least 85%",
+            citation: {
+                statute: "BC Residential Tenancy Act",
+                section: "Section 19(3)",
+                summary: "Tenant entitled to interest/yield on security deposit — minimum 85% tenant share",
+            },
+            details: {
+                yieldShareActive: hasYieldSplit,
+                tenantYieldPercentage: tenantShare,
+            },
+        };
+    }
+    /**
+     * BC RTB Compliance
+     * Agreement must comply with RTB standards and provide dispute resolution
+     */
+    checkRTBCompliance(input) {
+        const hasRTBAgreement = input.rtbCompliantAgreement === true;
+        const disputeResolution = input.disputeResolutionEnabled === true;
+        const passed = hasRTBAgreement && disputeResolution;
+        return {
+            name: "rtb-compliance",
+            passed,
+            confidence: 0.9,
+            note: passed
+                ? "RTB-compliant agreement with dispute resolution available"
+                : "Agreement must comply with RTB standards and provide dispute resolution pathway",
+            citation: {
+                statute: "BC Residential Tenancy Act",
+                section: "Part 5 — Dispute Resolution",
+                summary: "All tenancy agreements must be RTB-compliant with access to dispute resolution",
+                url: "https://www2.gov.bc.ca/gov/content/housing-tenancy/residential-tenancies",
+            },
+        };
+    }
+    checkToRemediation(check) {
+        switch (check.name) {
+            case "deposit-limit":
+                return {
+                    action: "reduce_deposit",
+                    description: "Reduce deposit to 50% of monthly rent or less per BC RTA s.19(1)",
+                    urgency: "required",
+                    automatable: true,
+                };
+            case "mutual-assent":
+                return {
+                    action: "obtain_consent",
+                    description: "Obtain written consent from both landlord and tenant before proceeding with deposit investment",
+                    urgency: "required",
+                    automatable: false,
+                };
+            case "interest-sharing":
+                return {
+                    action: "adjust_yield_split",
+                    description: "Ensure tenant receives at least 85% of yield on deposit per BC RTA s.19(3)",
+                    urgency: "required",
+                    automatable: true,
+                };
+            default:
+                return super.checkToRemediation(check);
+        }
+    }
+}
+export const caBcSkill = new CABCSkill();
+//# sourceMappingURL=index.js.map

package/dist/jurisdictions/ca-bc/index.js.map

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package/dist/jurisdictions/ca-ns/index.d.ts

@@ -0,0 +1,27 @@
+/**
+ * CA-NS — Nova Scotia Residential Tenancies Act
+ *
+ * NS has comprehensive tenant protection:
+ * - Security deposits capped at 50% of monthly rent
+ * - Mutual written consent required for deposit investment
+ * - 100% principal protection
+ * - Minimum 2% annual interest to tenant
+ * - Landlord must be registered with Service NS
+ */
+import { BaseSkill } from "../../base.js";
+import type { SkillInput, SkillResult, SkillCheck, SkillCapability, RemediationStep } from "../../types/index.js";
+export declare class CANSSkill extends BaseSkill {
+    readonly id = "huddle-compliance-ca-ns";
+    readonly name = "Nova Scotia Residential Tenancies Act";
+    readonly jurisdiction: "CA-NS";
+    readonly version = "1.0.0";
+    readonly capabilities: SkillCapability[];
+    validate(input: SkillInput): Promise<SkillResult>;
+    private checkMutualAssent;
+    private checkPrincipalProtection;
+    private checkDepositLimit;
+    private checkInterestPayment;
+    protected checkToRemediation(check: SkillCheck): RemediationStep;
+}
+export declare const caNsSkill: CANSSkill;
+//# sourceMappingURL=index.d.ts.map

package/dist/jurisdictions/ca-ns/index.d.ts.map

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package/dist/jurisdictions/ca-ns/index.js

@@ -0,0 +1,127 @@
+/**
+ * CA-NS — Nova Scotia Residential Tenancies Act
+ *
+ * NS has comprehensive tenant protection:
+ * - Security deposits capped at 50% of monthly rent
+ * - Mutual written consent required for deposit investment
+ * - 100% principal protection
+ * - Minimum 2% annual interest to tenant
+ * - Landlord must be registered with Service NS
+ */
+import { BaseSkill } from "../../base.js";
+export class CANSSkill extends BaseSkill {
+    id = "huddle-compliance-ca-ns";
+    name = "Nova Scotia Residential Tenancies Act";
+    jurisdiction = "CA-NS";
+    version = "1.0.0";
+    capabilities = [
+        "deposit-validation",
+        "deposit-interest",
+    ];
+    async validate(input) {
+        if (input.type !== "deposit-validation") {
+            return this.buildResult([{
+                    name: "input-type",
+                    passed: false,
+                    confidence: 1.0,
+                    note: `NS skill currently supports deposit-validation, received: ${input.type}`,
+                }], input);
+        }
+        const deposit = input;
+        const checks = [
+            this.checkMutualAssent(deposit),
+            this.checkPrincipalProtection(deposit),
+            this.checkDepositLimit(deposit),
+            this.checkInterestPayment(deposit),
+        ];
+        return this.buildResult(checks, input);
+    }
+    checkMutualAssent(input) {
+        const landlordConsent = input.landlordConsentSignature !== undefined;
+        const tenantConsent = input.tenantConsentSignature !== undefined;
+        const passed = landlordConsent && tenantConsent;
+        return {
+            name: "mutual-assent",
+            passed,
+            confidence: 1.0,
+            note: passed
+                ? "Written mutual consent from both parties confirmed"
+                : "NS RTA requires written consent from both landlord and tenant for deposit investment",
+            citation: {
+                statute: "Nova Scotia Residential Tenancies Act",
+                section: "Section 10",
+                summary: "Written mutual consent required for deposit investment arrangement",
+                url: "https://www.novascotia.ca/sns/access/land/residential-tenancies.asp",
+            },
+        };
+    }
+    checkPrincipalProtection(input) {
+        const currentValue = input.collateralValueCents ?? 0;
+        const originalDeposit = input.originalDepositValueCents ?? 0;
+        const protectionRatio = originalDeposit > 0 ? currentValue / originalDeposit : 1;
+        const passed = protectionRatio >= 1.0;
+        return {
+            name: "principal-protection",
+            passed,
+            confidence: 1.0,
+            note: passed
+                ? `Principal protected at ${(protectionRatio * 100).toFixed(0)}%`
+                : "Deposit must be fully recoverable at end of tenancy",
+            citation: {
+                statute: "Nova Scotia Residential Tenancies Act",
+                section: "Section 11",
+                summary: "100% principal protection — deposit must be fully recoverable",
+            },
+        };
+    }
+    checkDepositLimit(input) {
+        const depositAmount = input.depositAmountCents;
+        const monthlyRent = input.monthlyRentCents;
+        const maxAllowed = Math.floor(monthlyRent * 0.5);
+        const withinLimit = depositAmount <= maxAllowed;
+        return {
+            name: "deposit-limit",
+            passed: withinLimit,
+            confidence: 1.0,
+            note: withinLimit
+                ? `Deposit within 50% of monthly rent limit`
+                : `Deposit exceeds 50% of monthly rent ($${(maxAllowed / 100).toFixed(2)} max)`,
+            citation: {
+                statute: "Nova Scotia Residential Tenancies Act",
+                section: "Section 10(2)",
+                summary: "Security deposit cannot exceed 50% of monthly rent",
+            },
+            details: { depositAmountCents: depositAmount, maxAllowedCents: maxAllowed },
+        };
+    }
+    checkInterestPayment(input) {
+        const hasYieldSplit = input.yieldShareActive === true;
+        const tenantShare = input.tenantYieldPercentage ?? 0;
+        return {
+            name: "interest-payment",
+            passed: hasYieldSplit && tenantShare > 0,
+            confidence: hasYieldSplit ? 1.0 : 0.8,
+            note: hasYieldSplit
+                ? `Interest arrangement active — ${tenantShare}% to tenant (minimum 2% annual required)`
+                : "NS RTA requires minimum 2% annual interest on deposit paid to tenant",
+            citation: {
+                statute: "Nova Scotia Residential Tenancies Act",
+                section: "Section 10(4)",
+                summary: "Minimum 2% annual interest on security deposit must be paid to tenant",
+            },
+        };
+    }
+    checkToRemediation(check) {
+        if (check.name === "deposit-limit") {
+            return {
+                action: "reduce_deposit",
+                description: "Reduce deposit to 50% of monthly rent per NS RTA s.10(2)",
+                urgency: "required",
+                automatable: true,
+            };
+        }
+        return super.checkToRemediation(check);
+    }
+}
+export const caNsSkill = new CANSSkill();
+//# sourceMappingURL=index.js.map

package/dist/jurisdictions/ca-ns/index.js.map

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package/dist/jurisdictions/ca-on/index.d.ts

@@ -0,0 +1,26 @@
+/**
+ * CA-ON — Ontario Residential Tenancies Act (RTA 2006)
+ *
+ * Ontario rules:
+ * - Deposit limited to one month's rent (last month's rent deposit only)
+ * - Landlord must pay interest annually on last month's deposit
+ * - 100% principal protection required
+ * - LTB (Landlord and Tenant Board) dispute resolution
+ * - Rent increases capped at provincial guideline (typically ~2.5%)
+ */
+import { BaseSkill } from "../../base.js";
+import type { SkillInput, SkillResult, SkillCheck, SkillCapability, RemediationStep } from "../../types/index.js";
+export declare class CAONSkill extends BaseSkill {
+    readonly id = "huddle-compliance-ca-on";
+    readonly name = "Ontario Residential Tenancies Act";
+    readonly jurisdiction: "CA-ON";
+    readonly version = "1.0.0";
+    readonly capabilities: SkillCapability[];
+    validate(input: SkillInput): Promise<SkillResult>;
+    private checkPrincipalProtection;
+    private checkDepositLimit;
+    private checkInterestPayment;
+    protected checkToRemediation(check: SkillCheck): RemediationStep;
+}
+export declare const caOnSkill: CAONSkill;
+//# sourceMappingURL=index.d.ts.map

package/dist/jurisdictions/ca-on/index.d.ts.map

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package/dist/jurisdictions/ca-on/index.js

@@ -0,0 +1,109 @@
+/**
+ * CA-ON — Ontario Residential Tenancies Act (RTA 2006)
+ *
+ * Ontario rules:
+ * - Deposit limited to one month's rent (last month's rent deposit only)
+ * - Landlord must pay interest annually on last month's deposit
+ * - 100% principal protection required
+ * - LTB (Landlord and Tenant Board) dispute resolution
+ * - Rent increases capped at provincial guideline (typically ~2.5%)
+ */
+import { BaseSkill } from "../../base.js";
+export class CAONSkill extends BaseSkill {
+    id = "huddle-compliance-ca-on";
+    name = "Ontario Residential Tenancies Act";
+    jurisdiction = "CA-ON";
+    version = "1.0.0";
+    capabilities = [
+        "deposit-validation",
+        "deposit-interest",
+        "rent-increase-validation",
+    ];
+    async validate(input) {
+        if (input.type !== "deposit-validation") {
+            return this.buildResult([{
+                    name: "input-type",
+                    passed: false,
+                    confidence: 1.0,
+                    note: `ON skill currently supports deposit-validation, received: ${input.type}`,
+                }], input);
+        }
+        const deposit = input;
+        const checks = [
+            this.checkPrincipalProtection(deposit),
+            this.checkDepositLimit(deposit),
+            this.checkInterestPayment(deposit),
+        ];
+        return this.buildResult(checks, input);
+    }
+    checkPrincipalProtection(input) {
+        const currentValue = input.collateralValueCents ?? 0;
+        const originalDeposit = input.originalDepositValueCents ?? 0;
+        const protectionRatio = originalDeposit > 0 ? currentValue / originalDeposit : 1;
+        const passed = protectionRatio >= 1.0;
+        return {
+            name: "principal-protection",
+            passed,
+            confidence: 1.0,
+            note: passed
+                ? `Principal protected at ${(protectionRatio * 100).toFixed(0)}%`
+                : `Protection ratio ${(protectionRatio * 100).toFixed(0)}% is below 100%`,
+            citation: {
+                statute: "Ontario Residential Tenancies Act, 2006",
+                section: "Part IV",
+                summary: "100% principal protection required for all deposit arrangements",
+                url: "https://www.ontario.ca/laws/statute/06r17",
+            },
+        };
+    }
+    checkDepositLimit(input) {
+        const depositAmount = input.depositAmountCents;
+        const monthlyRent = input.monthlyRentCents;
+        const withinLimit = depositAmount <= monthlyRent;
+        return {
+            name: "deposit-limit",
+            passed: withinLimit,
+            confidence: 1.0,
+            note: withinLimit
+                ? `Deposit ($${(depositAmount / 100).toFixed(2)}) within one month's rent limit`
+                : `Deposit ($${(depositAmount / 100).toFixed(2)}) exceeds one month's rent ($${(monthlyRent / 100).toFixed(2)})`,
+            citation: {
+                statute: "Ontario Residential Tenancies Act, 2006",
+                section: "Section 106(2)",
+                summary: "Landlord may only collect last month's rent deposit, not exceeding one month's rent",
+                url: "https://www.ontario.ca/laws/statute/06r17#BK157",
+            },
+            details: { depositAmountCents: depositAmount, monthlyRentCents: monthlyRent },
+        };
+    }
+    checkInterestPayment(input) {
+        const hasYieldSplit = input.yieldShareActive === true;
+        return {
+            name: "interest-payment",
+            passed: hasYieldSplit,
+            confidence: hasYieldSplit ? 1.0 : 0.8,
+            note: hasYieldSplit
+                ? "Yield-bearing arrangement active — tenant receives interest on deposit"
+                : "ON RTA requires annual interest payment on last month's rent deposit",
+            citation: {
+                statute: "Ontario Residential Tenancies Act, 2006",
+                section: "Section 106(6)",
+                summary: "Landlord must pay interest on last month's rent deposit annually at guideline rate",
+                url: "https://www.ontario.ca/laws/statute/06r17#BK157",
+            },
+        };
+    }
+    checkToRemediation(check) {
+        if (check.name === "deposit-limit") {
+            return {
+                action: "reduce_deposit",
+                description: "Reduce deposit to one month's rent or less per ON RTA s.106(2)",
+                urgency: "required",
+                automatable: true,
+            };
+        }
+        return super.checkToRemediation(check);
+    }
+}
+export const caOnSkill = new CAONSkill();
+//# sourceMappingURL=index.js.map

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package/dist/jurisdictions/ca-qc/index.d.ts

@@ -0,0 +1,75 @@
+/**
+ * CA-QC — Code civil du Québec & Tribunal administratif du logement (TAL)
+ *
+ * Quebec rules / Règles du Québec:
+ * - Security deposits PROHIBITED — CCQ art. 1904 / Dépôts de garantie INTERDITS
+ * - Only first month's rent permitted in advance / Seulement un mois de loyer à l'avance
+ * - Mandatory standard lease form — RLRQ c B-3.1 r 1 / Formulaire de bail obligatoire
+ * - TAL (formerly Régie du logement since 2020-09-01) — RLRQ c T-15.01
+ * - Huddle bonds: collateralized lease guarantee, not a deposit
+ *   (garantie locative collatéralisée, non un dépôt de garantie)
+ *
+ * Bilingual note: Citations appear in French (primary legal language) followed by English.
+ * Note bilingue : Les citations apparaissent en français (langue juridique principale) suivies de l'anglais.
+ */
+import { BaseSkill } from "../../base.js";
+import type { SkillInput, SkillResult, SkillCheck, SkillCapability, RemediationStep } from "../../types/index.js";
+export declare class CAQCSkill extends BaseSkill {
+    readonly id = "huddle-compliance-ca-qc";
+    readonly name = "Quebec Civil Code & TAL / Code civil du Qu\u00E9bec & TAL";
+    readonly jurisdiction: "CA-QC";
+    readonly version = "1.1.0";
+    readonly capabilities: SkillCapability[];
+    validate(input: SkillInput): Promise<SkillResult>;
+    /**
+     * CCQ art. 1904 — Interdiction de dépôt / Deposit Prohibition
+     *
+     * FR: "Le locateur ne peut exiger du locataire, lors de la conclusion du bail ou en cours
+     * de bail, des avances de loyer excédant un mois ou un dépôt de garantie."
+     *
+     * EN: "A lessor may not, upon conclusion of the lease or during its term, require the
+     * lessee to pay rent installments of more than one month's rent in advance or to make
+     * a security deposit."
+     */
+    private checkDepositProhibition;
+    /**
+     * Classification de l'instrument / Instrument Classification
+     *
+     * A wBTC Collateralized Lease Guarantee ≠ dépôt de garantie under CCQ art. 1904.
+     * When both collateralType and instrumentType are correctly set, the on-chain
+     * HuddleDepositVaultV3 Golden Rule provides stronger protection than any statute.
+     */
+    private checkInstrumentClassification;
+    /**
+     * CCQ art. 1590 — Protection du principal / Principal Protection
+     *
+     * FR: "L'obligation confère au créancier le droit d'exiger qu'elle soit exécutée
+     * entièrement, correctement et sans retard."
+     *
+     * EN: "An obligation confers on the creditor the right to demand that the
+     * obligation be performed in full, in the proper manner and without delay."
+     *
+     * Principal of any lease guarantee must equal or exceed original amount at all times.
+     */
+    private checkPrincipalProtection;
+    /**
+     * Règlement sur les formulaires de bail obligatoires, RLRQ c B-3.1 r 1
+     * Mandatory standard lease form / Formulaire de bail obligatoire
+     *
+     * All residential leases in Quebec must use the TAL-approved mandatory form.
+     */
+    private checkMandatoryBailForm;
+    /**
+     * Loi sur le Tribunal administratif du logement, RLRQ c T-15.01
+     *
+     * TAL (formerly Régie du logement — renamed 2020-09-01 by 2019, c. 28) has
+     * exclusive jurisdiction over all residential tenancy disputes in Quebec.
+     *
+     * FR: Compétence exclusive du TAL sur les litiges résidentiels.
+     * EN: TAL has exclusive jurisdiction over residential disputes.
+     */
+    private checkTALCompliance;
+    protected checkToRemediation(check: SkillCheck): RemediationStep;
+}
+export declare const caQcSkill: CAQCSkill;
+//# sourceMappingURL=index.d.ts.map

package/dist/jurisdictions/ca-qc/index.d.ts.map

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