AGPL-3.0 reference impl of FinTech audit-stream. 2 orthogonal invariants: FCRA §604 permissible-purpose on every credit-bureau pull + human-credit-officer on adverse recommendations (Reg B + FCRA §615 + CFPB Circular 2023-03). Runs Meridian ×ばつ CreditMind v4.x trajectory end-to-end.
fintech reference-implementation cfpb fcra credit-decisioning kinetic-gain-protocol-suite audit-stream ecoa-reg-b section-604
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Updated
Jun 11, 2026 - JavaScript