banking-agent-audit 0.1.4__tar.gz

banking_agent_audit-0.1.4/LICENSE-APACHE

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banking_agent_audit-0.1.4/LICENSE-MIT

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+MIT License
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+Copyright (c) 2026 Kunjar Bhaduri
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+SOFTWARE.

banking_agent_audit-0.1.4/PKG-INFO

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+Metadata-Version: 2.4
+Name: banking-agent-audit
+Version: 0.1.4
+Summary: Governance patterns for autonomous AI agents in regulated banking
+Author-email: Kunjar Bhaduri <130852583+linus10x@users.noreply.github.com>
+License: MIT OR Apache-2.0
+Project-URL: Homepage, https://github.com/linus10x/banking-agent-audit
+Project-URL: Repository, https://github.com/linus10x/banking-agent-audit
+Project-URL: Issues, https://github.com/linus10x/banking-agent-audit/issues
+Project-URL: Changelog, https://github.com/linus10x/banking-agent-audit/blob/main/CHANGELOG.md
+Keywords: ai-governance,autonomous-agents,banking,model-risk-management,regulated-ai,audit-trail,fair-lending,adverse-action,bsa-aml,human-in-the-loop
+Classifier: Development Status :: 4 - Beta
+Classifier: Intended Audience :: Developers
+Classifier: Intended Audience :: Financial and Insurance Industry
+Classifier: License :: OSI Approved :: MIT License
+Classifier: License :: OSI Approved :: Apache Software License
+Classifier: Programming Language :: Python :: 3
+Classifier: Programming Language :: Python :: 3.12
+Classifier: Programming Language :: Python :: 3.13
+Classifier: Topic :: Office/Business :: Financial
+Classifier: Topic :: Scientific/Engineering :: Artificial Intelligence
+Classifier: Topic :: Security
+Classifier: Typing :: Typed
+Requires-Python: >=3.12
+Description-Content-Type: text/markdown
+License-File: LICENSE-APACHE
+License-File: LICENSE-MIT
+Provides-Extra: dev
+Requires-Dist: pytest>=8.3; extra == "dev"
+Requires-Dist: pytest-cov>=6.0; extra == "dev"
+Requires-Dist: mypy>=1.14; extra == "dev"
+Requires-Dist: ruff>=0.8; extra == "dev"
+Requires-Dist: pre-commit>=3.7; extra == "dev"
+Provides-Extra: test-property
+Requires-Dist: hypothesis>=6.115; extra == "test-property"
+Provides-Extra: security-dev
+Requires-Dist: bandit[toml]>=1.7; extra == "security-dev"
+Requires-Dist: pip-audit>=2.7; extra == "security-dev"
+Dynamic: license-file
+
+# banking-agent-audit
+
+Governance patterns for autonomous AI agents in regulated banking: five corrected primitives + tested model-risk effective-challenge & ECOA/Reg B adverse-action controls + a no-bundled-list sanctions workflow. Reference IP — MIT/Apache-2.0.
+
+[![CI](https://github.com/linus10x/banking-agent-audit/actions/workflows/ci.yml/badge.svg)](https://github.com/linus10x/banking-agent-audit/actions/workflows/ci.yml)
+![coverage](https://img.shields.io/badge/coverage-%E2%89%A599%25-brightgreen)
+![tests](https://img.shields.io/badge/tests-182-blue)
+![license](https://img.shields.io/badge/license-MIT%20OR%20Apache--2.0-blue)
+![python](https://img.shields.io/badge/python-3.12%2B-blue)
+[![DOI](https://zenodo.org/badge/1260859533.svg)](https://doi.org/10.5281/zenodo.20564584)
+[![Autonomy Ladder family](https://img.shields.io/badge/Autonomy%20Ladder-family-0b1f3a)](https://github.com/linus10x/autonomy-ladder-libraries)
+
+> **What this is:** a reference governance library that encodes ECOA / Reg B adverse-action, model-risk effective-challenge, and OFAC/BSA controls an autonomous banking agent must operate under, as runnable, tested checks.
+> **What this is not:** reference IP for adoption, not a control deployed inside a bank today — verify every citation against its primary source and qualified counsel.
+> **Who this is for:** a bank's model-risk, fair-lending, or compliance lead standing up AI/agentic decisioning — or a lab / cloud FSI applied lead who needs a falsifiable governance baseline.
+
+## 30-second tour
+
+- **Vertical:** banking — model risk · ECOA/Reg B adverse action · BSA/AML/OFAC.
+- **Decision classes encoded:** ECOA/Reg B §1002.9 adverse-action notice (+ FCRA §615 overlay) and model-risk effective-challenge — both **implemented and tested**; a sanctions disposition workflow that ships **no list**.
+- **Primary rule cites:** ECOA / Reg B **12 CFR §1002.9** · FCRA §615 **15 U.S.C. §1681m** · BSA **31 U.S.C. §5318(h)/(g)** · OFAC **31 CFR Ch. V** · 2026 revised interagency Model Risk Management guidance (OCC Bulletin 2026-13).
+- **Assurance:** 182 tests · ~99% coverage (≥90% gate) · 13/13 mutation kill · zero runtime deps · `mypy --strict`.
+- **Golden corpus:** real CFPB / DOJ / FinCEN matters — **Trustmark, City National, Trident Mortgage, Washington Trust, Citibank, Fifth Third, Townstone, TD Bank**.
+
+## Read me first
+
+1. [`tests/test_adverse_action_gate.py`](tests/test_adverse_action_gate.py) — the single best illustrative test: the ECOA/Reg B adverse-action gate turned into runnable checks.
+2. [`WORKED_EXAMPLE.md`](WORKED_EXAMPLE.md) — one concrete adverse-action flow, end to end (with a runnable companion script).
+3. The framework: [autonomy-ladder.io](https://autonomy-ladder.io) — and [`AUTONOMY_LADDER.md`](AUTONOMY_LADDER.md) for how this library's primitives map to the A0→A4 rungs.
+
+## Install
+
+```bash
+git clone https://github.com/linus10x/banking-agent-audit && cd banking-agent-audit
+pip install -e .
+```
+
+---
+
+## Why this exists for frontier autonomy stacks
+
+The controls in this library are **domain-agnostic**. The DEFCON state machine, the non-overridable **sovereign veto** (a separate-process control the agent cannot switch off), the **hash-chain audit ledger** (it detects tampering within its trust boundary), the **hard envelopes with mechanical escalation**, the **sampled-review tripwires**, and **monitor-led promotion** were forged in real multi-agent production systems under consequence — and they apply directly to any high-stakes coordinated autonomy (vehicles, robots, agent swarms) where *invisible promotion* or *cascade failure* is unacceptable. The decision class is a parameter: this repo encodes it for **banking — model risk, ECOA/Reg B adverse action, BSA/AML/OFAC**, but the same A0→A4 deployment-authority structure lifts into any decision class without inheriting financial-services assumptions.
+
+- **Framework + whitepaper:** [autonomy-ladder.io](https://autonomy-ladder.io)
+- **Non-financial demo (under 60s):** [`finserv-agent-audit/examples/agent_coordination`](https://github.com/linus10x/finserv-agent-audit/tree/main/examples/agent_coordination) — the same veto / envelope / audit-chain / demotion primitives on a generic agent swarm.
+
+> **For reviewers & safety teams:** every control here is falsifiable — the test suite (182 tests · 13/13 mutation kill · zero runtime deps) turns each rule into a runnable check, and the veto and ledger are infrastructure with operational properties (separate process boundary, distinct credentials, a gate the agent cannot reach; write-once retention). These are reference implementations for adoption, not deployed production controls.
+
+
+## Part of the Autonomy Ladder™ family
+
+Six co-equal regulated-vertical reference libraries implementing the **Autonomy Ladder** — a governance framework for autonomous AI in regulated operations (A0→A4, every rung demotable). **Framework + whitepaper: [autonomy-ladder.io](https://autonomy-ladder.io).**
+
+| Vertical | Library |
+|---|---|
+| Cross-vertical financial services | [`finserv-agent-audit`](https://github.com/linus10x/finserv-agent-audit) |
+| Banking (model risk · ECOA/Reg B · BSA/AML/OFAC) | **[`banking-agent-audit`](https://github.com/linus10x/banking-agent-audit)** |
+| Payments (OFAC · Reg E · rail finality) | [`payments-agent-audit`](https://github.com/linus10x/payments-agent-audit) |
+| Health-insurance payer (UM · prior auth · appeals) | [`payer-agent-audit`](https://github.com/linus10x/payer-agent-audit) |
+| SEC-registered investment advisers (Advisers Act §206) | [`private-capital-agent-audit`](https://github.com/linus10x/private-capital-agent-audit) |
+| Commercial real estate | [`cre-agent-audit`](https://github.com/linus10x/cre-agent-audit) |
+
+---
+
+## What this is — and what it is not
+
+This library is **reference IP for adoption**, not a control operating inside a
+bank today. Read the claim layer before you cite it:
+
+| Surface | Claim |
+|---|---|
+| The five primitives (level-gate, sovereign veto, hash-chain ledger, DEFCON, effective challenge) | **Real, tested reference patterns** — within-trust-boundary tamper *evidence*, not a deployed G-SIB control wrapped in an org assurance apparatus. |
+| Model-risk effective-challenge control | **Implemented and tested.** Gates a model's validation status on attested challenger independence. |
+| ECOA / Reg B §1002.9 adverse-action gate | **Implemented and tested.** Validates notice structure, timing, specific-reason content, and the FCRA §615 overlay. |
+| OFAC / sanctions screening | **A reference disposition *workflow* pattern only.** It ships **no sanctions list**; the list source is a pluggable seam labeled `UNWIRED-BY-DEPLOYER`. It is **not** an operating OFAC control. |
+| HMDA, TILA/Reg Z, deposit/fraud, AVM QC | **Documented patterns** — described and mapped to primary sources, not enforced in code at 0.1.0. |
+
+Every statutory citation below is cited to a primary source or marked `UNVERIFIED`.
+
+---
+
+## Disclaimer
+
+This software and its documentation are provided for **reference and educational
+purposes only**. They are **not legal, compliance, or regulatory advice**, do not
+create an attorney–client relationship, and are not a substitute for a bank's
+model-risk framework, its compliance program, or qualified counsel. Nothing here
+**guarantees compliance** with the Bank Secrecy Act, ECOA / Regulation B, FCRA,
+HMDA, TILA, Regulation E, OFAC sanctions programs, model-risk guidance, or any
+other law or regulation. Statutory citations may be incomplete or become out of
+date; **verify every citation against the primary source and qualified counsel**
+before relying on it. Supervisory guidance referenced here is non-enforceable and
+subject to revision — confirm it is current. The software is provided **"AS IS",
+WITHOUT WARRANTY OF ANY KIND**, express or implied, and the author disclaims all
+liability for any use. See [`LICENSE-MIT`](LICENSE-MIT) / [`LICENSE-APACHE`](LICENSE-APACHE).
+
+---
+
+## Quick start
+
+```bash
+pip install -e ".[dev,test-property]"
+```
+
+```python
+from banking_agent_audit.governance import (
+    AuditChain, SovereignVeto, AdverseActionGate, ModelRiskManagement,
+)
+from banking_agent_audit.governance.adverse_action_gate import (
+    AdverseActionDecision, AdverseActionType,
+)
+
+# A tamper-evident, deployer-keyed audit ledger.
+chain = AuditChain(deployer_id="example-bank", mode="advisory")
+
+# An ECOA / Reg B §1002.9 adverse-action check.
+gate = AdverseActionGate(audit_chain=chain)
+result = gate.evaluate(AdverseActionDecision(
+    applicant_id="app-001",
+    action_type=AdverseActionType.DENIAL,
+    principal_reasons=("debt-to-income ratio 0.62 exceeds the 0.43 product limit",),
+    notice_provided=True,
+    days_to_notice=12,
+    used_consumer_report=True,
+    cra_name_provided=True,
+    credit_score_disclosed=True,
+    applicant_rights_disclosed=True,
+))
+print(result.compliant, result.citations)
+```
+
+CLI:
+
+```bash
+banking-audit claims              # print the obligation claim sheet
+banking-audit verify audit.jsonl  # verify a JSONL audit ledger
+```
+
+---
+
+## The five primitives (corrected standard)
+
+1. **Level-gate (A0→A4)** — refuses promotion when a lower rung's controls are
+   unmet and requires **independent attestation** of its inputs, not
+   caller-asserted booleans. Advisory by default and labeled as such; a strict
+   `production` mode fails closed without a verifier.
+2. **Sovereign veto** — a fail-closed kill switch. In `production` mode a wired
+   authorizer is mandatory; clearing a veto requires an **authenticated**
+   non-agent principal, and **an agent cannot clear its own veto**.
+3. **Hash-chain ledger** — `verify()` / `verify_strict()` **branch the genesis
+   seed** so a deployer-keyed (hardened) chain and a legacy chain both verify
+   true. End-to-end regeneration is detectable via an external **witness anchor**
+   that is non-optional in `production` mode.
+4. **DEFCON state machine** — escalates immediately on a risk breach; **never
+   auto-de-escalates**. Lowering the level requires the manual-override +
+   authorizer path and may move only **one level at a time** (no one-call
+   `HALT → NORMAL`).
+5. **Effective challenge** — rejects `challenger == primary` in code and records
+   an operator **independence attestation**; a model owner cannot self-challenge
+   to a clean `accept_primary`.
+
+These are built to the corrected standard directly — not copied from a sibling
+library's source.
+
+---
+
+## Banking controls and sub-vertical coverage
+
+| Obligation | Sub-vertical | Claim layer | Primary source |
+|---|---|---|---|
+| Model validation via effective challenge | Capital-markets / model risk | **Implemented** | OCC Bulletin 2026-13 (2026 revised MRM guidance; verified as of June 2026) |
+| ECOA / Reg B §1002.9 adverse-action notice + FCRA §615 | Consumer credit | **Implemented** | 12 CFR §1002.9; 15 U.S.C. §1681m |
+| Sanctions / AML disposition workflow (no bundled list) | AML / sanctions | **Deployer-wired pattern** | 31 U.S.C. §5318(h)/(g); 31 CFR Ch. X (BSA), Ch. V (OFAC) |
+| HMDA / Reg C loan-level disclosure | Mortgage | Documented pattern | 12 CFR Part 1003 |
+| TILA / Reg Z consumer-credit disclosure | Consumer credit | Documented pattern | 12 CFR Part 1026 |
+| Reg E / EFTA error resolution + unauthorized-EFT liability | Deposit / payments / fraud | Documented pattern | 12 CFR Part 1005 |
+| Interagency AVM quality-control standards | Mortgage | Documented pattern | Interagency AVM rule (2024) |
+
+Regulators in scope: Federal Reserve · OCC · FDIC · CFPB (consumer credit) ·
+FinCEN and OFAC (AML/sanctions). The model-risk concept of **effective
+challenge** crystallized in SR 11-7 (rescinded 2026-04-17; verified as of
+June 2026) and is carried
+forward in principle under the 2026 revised interagency Model Risk Management
+guidance; that guidance states generative and agentic AI models are not within
+its scope, so deployers of such models demonstrate bounded operation through
+their own frameworks. See [`docs/regulatory/`](docs/regulatory/) for the
+per-obligation mappings.
+
+### Wiring the seams by org size
+
+The strong (`production`-mode) guarantees require a deployer to wire an
+authorizer, an attestation verifier, and a witness. The
+[`reference_adapters`](src/banking_agent_audit/reference_adapters.py) module
+ships a minimum-viable-production path — a durable fsync'd file witness, an
+HMAC-signed-token authorizer, and a single-external-attester verifier — so a
+small bank or neobank is not stuck in advisory mode. An optional
+`IndependenceDetector` seam adds a defense-in-depth cross-check on the
+effective-challenge independence attestation. See [`docs/SIZING.md`](docs/SIZING.md)
+for the per-size wiring table and retention floors.
+
+---
+
+## Testing and assurance
+
+The platform is the proof. The suite is layered, and the hard cases come from
+the real world:
+
+- **Unit + contract** tests for every primitive, control, and obligation entry.
+- **Property-based** tests (`hypothesis`) — thousands of generated cases across
+  ledger verify/tamper/regenerate invariants, level-gate monotonicity, DEFCON
+  transition algebra, and challenger≠primary.
+- **Five AL-PROBES** in [`tests/adversarial/`](tests/adversarial/) — committed
+  reproductions of the constructions that defeat a defective primitive, each
+  asserting the corrected guarantee holds (one probe per primitive; AL-PROBE-02
+  is the assurance home for veto un-self-clearability).
+- **A golden corpus** of real, public, primary-sourced banking enforcement
+  actions turned into fixtures that assert how the controls govern each
+  category. The platform is the proof: the suite runs against named CFPB / DOJ /
+  FinCEN matters of record — **Trustmark, City National, Trident Mortgage,
+  Washington Trust, Citibank, Fifth Third, Townstone, and TD Bank** — spanning
+  redlining, ECOA / Reg B adverse action, fair-lending model use, and BSA / AML /
+  OFAC failures. See [`tests/golden/`](tests/golden/).
+- **A mutation pass** ([`scripts/mutation_pass.py`](scripts/mutation_pass.py))
+  that disables each security predicate and confirms a test kills it (100%).
+- **Coverage gate** at 90% (currently ~99%), with `ruff`, `mypy --strict`,
+  Bandit, CodeQL, OSV, and gitleaks in CI.
+
+```bash
+pytest -q --cov=src/banking_agent_audit --cov-fail-under=90
+python scripts/mutation_pass.py
+```
+
+---
+
+## Who this is for
+
+- **Heads of Model Risk and second-line validation** standing up effective
+  challenge for AI/agentic models where the validator's independence is the
+  load-bearing question.
+- **Fair-lending and compliance teams** who need an adverse-action notice that
+  states specific, accurate reasons under ECOA/Reg B and the FCRA overlay.
+- **AML / sanctions engineering** wiring a disposition workflow around a real
+  list provider, with a tamper-evident trail of every screen, hold, and block.
+- **Board, audit committee, CISO, CRO, and the engineer who runs it** — each
+  reads a different layer; the claim layer is written so none of them is misled.
+
+---
+
+## Limitations
+
+Read [`LIMITATIONS.md`](LIMITATIONS.md) and [`FAILURE-MODES.md`](FAILURE-MODES.md)
+before relying on anything here. In short: this is reference IP, the sanctions
+surface ships no list, the documented-pattern sub-verticals are not enforced in
+code at 0.1.0, and reasoning-layer prompt-injection of the underlying model is
+out of scope.
+
+---
+
+## Citation
+
+Archived on Zenodo — concept DOI [`10.5281/zenodo.20564584`](https://doi.org/10.5281/zenodo.20564584)
+(resolves to the latest version). See [`CITATION.cff`](CITATION.cff).
+
+---
+
+## License
+
+Dual-licensed under [MIT](LICENSE-MIT) or [Apache-2.0](LICENSE-APACHE), at your
+option.
+
+---
+
+## Author
+
+Kunjar Bhaduri — North Texas Capital Investments.
+
+---
+
+## The Autonomy Ladder family
+
+One of six libraries in the **[Autonomy Ladder family](https://github.com/linus10x/autonomy-ladder-libraries)** —
+[finserv](https://github.com/linus10x/finserv-agent-audit) ·
+[banking](https://github.com/linus10x/banking-agent-audit) ·
+[payments](https://github.com/linus10x/payments-agent-audit) ·
+[payer](https://github.com/linus10x/payer-agent-audit) ·
+[private-capital](https://github.com/linus10x/private-capital-agent-audit) ·
+[cre](https://github.com/linus10x/cre-agent-audit) agent-audit.
+Shared framework (A0→A4, every rung demotable), license posture (MIT OR Apache-2.0),
+and evidence discipline. Framework + whitepaper: [autonomy-ladder.io](https://autonomy-ladder.io).