/**
 * HMDA Compliance Pack
 *
 * Home Mortgage Disclosure Act
 * Authority: CFPB (Regulation C, 12 CFR Part 1003; HMDA 12 USC §2801 et seq.)
 *
 * HMDA requires covered financial institutions to collect, record, report, and
 * disclose data about mortgage applications and loans. The Loan Application
 * Register (LAR) is submitted annually to the CFPB HMDA Platform.
 *
 * LLM-EGRESS PRIMACY RULES (Thomas directive 2026-04-22):
 *   - BLOCK ABSOLUTELY: race, ethnicity, sex, and age (GMI data -- Government
 *     Monitoring Information) from any LLM operating in a credit-decision path.
 *     12 CFR §1002.6 (Reg B) prohibits using GMI in creditworthiness evaluation.
 *     HMDA data is collected for MONITORING purposes only; it cannot legally
 *     flow into the credit-decision LLM context.
 *   - ALLOW WITH GUARDRAILS: aggregated, anonymised HMDA data to LLMs for
 *     post-decision report generation (LAR validation, aggregate statistics).
 *   - REQUIRE ATTESTATION: annual LAR submission attestation signed by a
 *     named compliance officer before the March 1 regulatory deadline.
 *
 * This pack is the strictest egress rule in the mortgage catalogue because the
 * regulatory consequence of feeding GMI data to a credit-decision LLM is a
 * simultaneous HMDA violation (improper use) AND an ECOA/Reg B violation
 * (prohibited basis in credit decision).
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * HMDA (Home Mortgage Disclosure Act, 12 U.S.C. §2801) category classifiers.
 * Covers Government Monitoring Information (GMI): race, ethnicity, sex, age
 * collected for fair-lending analysis. These categories must be collected
 * separately from underwriting data and not used in credit decisions.
 */
export declare const HMDA_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const HMDA_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
    subjectKeyedCategories: string[];
};
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