/**
 * CFPB Circular 2023-03 Compliance Pack
 *
 * CFPB Circular 2023-03 (19 Sept 2023) on adverse action notification
 * requirements when creditors use AI or complex algorithms. Interprets
 * ECOA §701 (15 USC §1691) + Regulation B (12 CFR Part 1002).
 * Supplemented by CFPB 2024 Advisory Opinion on automated credit
 * decisions.
 *
 * Key points:
 *   - Specific principal reasons are required; generic rationale
 *     ("algorithm decided") is non-compliant.
 *   - Creditors are responsible for the reasoning regardless of
 *     vendor-supplied scoring.
 *   - 30-day adverse action notification deadline.
 *   - Record retention: 25 months (consumer credit) / 12 months
 *     (business credit) per 12 CFR 1002.12.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * CFPB Circular 2023-03 (Adverse Action Reason Codes) category classifiers.
 * Covers AI/ML adverse action under Regulation B (ECOA) -- credit decisions
 * must provide specific principal-factor reasons, not generic rationale.
 */
export declare const CFPB_2023_03_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const CFPB_2023_03_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
};
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