/**
 * US RESPA Compliance Pack
 *
 * Renamed from `src/packs/respa.ts` to `src/packs/us-respa.ts` per X3 cycle
 * 2026-04-24 naming consistency directive. Pack ID updated from 'respa' to
 * 'us-respa'. Export updated from RESPA_PACK to US_RESPA_PACK. No behavioral
 * change; rename only for consistency with us-trid, us-tila, us-nih-*, etc.
 *
 * Cross-pack interactions:
 *   - us-respa x us-trid: 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 governs over TRID §1026.25 3-year.
 *   - us-respa x us-tila: For mortgage servicing, both apply. RESPA Section 6
 *     QWR and TILA right-of-rescission for modifications run in parallel.
 *     Strictest-wins on retention: RESPA 5-year governs.
 *
 * Real Estate Settlement Procedures Act
 * Authority: HUD + CFPB (12 USC §2601 et seq.; Regulation X, 12 CFR Part 1024)
 *
 * Key statutes enforced by this pack:
 *   - §8 (12 USC §2607): Anti-kickback, prohibition on fee-splitting, referral
 *     fees, and unearned fees in connection with federally related mortgage loans.
 *   - §10 (12 USC §2609): Escrow account limits and disclosures. Aggregate
 *     accounting method; cushion limited to 1/6 of annual escrow charges.
 *   - §6 (12 USC §2605): Qualified Written Request (QWR) acknowledgment within
 *     5 business days; substantive response within 30 business days (extendable
 *     to 45 with notice); 12 CFR §1024.36.
 *   - §4 / §5 (12 USC §2603, 2604): Good Faith Estimate (pre-TRID loans) and
 *     Special Information Booklet requirements.
 *
 * LLM-EGRESS PRIMACY RULES (Thomas directive 2026-04-22):
 *   - BLOCK: settlement-service provider names and referral-steering signals in
 *     LLM prompts. An agent cannot include "prefer Title Co X" or similar
 *     language that constitutes a referral under §8 when sending to an LLM.
 *   - BLOCK: escrow-account balances to any LLM not bound by a
 *     RESPA-compliant Business Associate Agreement (BAA) equivalent.
 *   - ALLOW WITH AUDIT: general loan-process education questions to LLMs
 *     (e.g., what is an escrow account, what is a closing disclosure).
 *   - REQUIRE NAMED HUMAN: any agent-generated Loan Estimate or Closing
 *     Disclosure content. The LLM may draft; a licensed human must sign off.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * RESPA (Real Estate Settlement Procedures Act, 12 U.S.C. §2601) category classifiers.
 * Governs mortgage settlement service fee disclosures, referrals, and escrow accounts.
 */
export declare const US_RESPA_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const US_RESPA_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
    subjectKeyedCategories: string[];
};
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