/**
 * ECOA Compliance Pack (Standalone)
 *
 * Equal Credit Opportunity Act -- Statutory Framework
 * Authority: CFPB (Regulation B, 12 CFR Part 1002; ECOA 15 USC §1691 et seq.)
 *
 * Relationship to cfpb-2023-03 pack: the CFPB 2023-03 pack covers the specific
 * Circular 2023-03 interpretation of ECOA adverse-action notices for AI/complex
 * algorithm systems. This pack covers the full ECOA/Reg B statutory framework:
 *   - §1002.4 -- prohibited bases in credit decisions
 *   - §1002.5 -- information collection rules
 *   - §1002.6 -- rules concerning evaluation of creditworthiness
 *   - §1002.9 -- adverse action notification (30-day)
 *   - §1002.10 -- furnishing credit information (joint applicants)
 *   - §1002.12(b) -- record retention (25 months consumer credit)
 *   - §1002.13 -- information for monitoring purposes
 *   - §1002.14 -- rules on providing appraisals (3-business-day rule)
 *   - Appendix C -- sample forms
 *
 * LLM-EGRESS PRIMACY RULES (Thomas directive 2026-04-22):
 *   - BLOCK ABSOLUTELY: any Reg B prohibited basis from entering an LLM that
 *     participates in a credit decision. Prohibited bases: race, color, religion,
 *     national origin, sex, marital status, age (provided applicant has capacity),
 *     receipt of public assistance income, good faith exercise of rights under
 *     the Consumer Credit Protection Act (15 USC §1601 et seq.).
 *   - REQUIRE SPECIFIC REASONS: any AI-generated adverse-action notice must
 *     include the actual top principal reasons; "automated decision" is not a
 *     specific reason (see also cfpb-2023-03 pack).
 *   - REQUIRE NAMED REVIEWER: every adverse-action decision must carry named-
 *     reviewer attribution in the audit log per §1002.9.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * ECOA (Equal Credit Opportunity Act, 15 U.S.C. §1691) category classifiers.
 * Prohibits discrimination in credit transactions on prohibited bases.
 * These categories must be blocked from entering credit decision logic.
 */
export declare const ECOA_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const ECOA_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
    subjectKeyedCategories: string[];
};
//# sourceMappingURL=ecoa.d.ts.map