/**
 * TRID (TILA-RESPA Integrated Disclosure) Compliance Pack
 *
 * Previously bundled with TILA in `src/packs/tila-trid.ts`. Split per Thomas's
 * 2026-04-24 principle: one country, one regulation, one pack. CFPB enforces
 * TRID and other-TILA provisions separately at 12 CFR §1026.
 *
 * Scope: 12 CFR §1026.19(e) and (f) -- TRID integrated Loan Estimate and
 * Closing Disclosure rule. CFPB enforced. This pack governs the integrated
 * disclosure forms only:
 *   - §1026.37: Loan Estimate -- issued within 3 business days of application
 *   - §1026.38: Closing Disclosure -- delivered at least 3 business days before
 *     consummation
 *   - §1026.19(e): timing and delivery of Loan Estimate
 *   - §1026.19(f): timing and delivery of Closing Disclosure
 *   - Changed-circumstance revised LE workflow (§1026.19(e)(3)(iv))
 *
 * NOT in scope for this pack (see us-tila.ts):
 *   - Right-of-rescission (12 CFR §1026.23)
 *   - ATR/QM (12 CFR §1026.43)
 *   - Advertising trigger terms (12 CFR §§1026.16, 1026.24)
 *   - Credit-card disclosures
 *   - Consumer lease disclosures
 *   - ARM/HELOC disclosures (§1026.19(b), §1026.20(d), §1026.40)
 *
 * Cross-pack interactions:
 *   - us-trid x us-respa: TRID's Loan Estimate replaced RESPA's old HUD-1;
 *     both packs may apply at closing. Strictest-wins on retention (RESPA
 *     §1024.10 5-year vs TRID §1026.25 3-year -- RESPA governs retention).
 *   - us-trid x us-tila: TRID is the integrated-disclosure subset of Reg Z;
 *     us-tila covers the rest. If both bind, TRID governs the integrated
 *     disclosure forms specifically; us-tila governs all other Reg Z obligations.
 *   - us-trid x us-respa x us-tila: For mortgage closings, all three may
 *     activate. Strictest-wins: RESPA's 5-year retention, TRID's LE/CD clocks,
 *     and TILA's rescission clock all run in parallel.
 *
 * LLM-EGRESS PRIMACY RULES (Thomas directive 2026-04-22):
 *   - BLOCK: Loan Estimate and Closing Disclosure numeric fields (APR, finance
 *     charge, amount financed, total of payments, total loan costs) from being
 *     COMPUTED OR PLACED by an LLM. The LLM may never be the source of these
 *     figures; they must come from a licensed/regulated calculation engine and
 *     receive human verification before placement on the disclosure form.
 *   - ALLOW WITH GUARDRAILS: LLMs may EXPLAIN concepts (what is a Loan
 *     Estimate, what is a Closing Disclosure) but must not compute or quote
 *     specific numerical values.
 *   - REQUIRE: 3-business-day Loan Estimate delivery tracker; 3-business-day
 *     Closing Disclosure review window enforced before consummation.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * TRID (TILA-RESPA Integrated Disclosure) category classifiers.
 * Covers the integrated Loan Estimate and Closing Disclosure forms only.
 */
export declare const US_TRID_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const US_TRID_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
    subjectKeyedCategories: string[];
};
//# sourceMappingURL=us-trid.d.ts.map