/**
 * TILA (Truth in Lending Act) + Regulation Z -- Non-TRID Provisions Pack
 *
 * Previously bundled with TRID 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: Truth in Lending Act (15 USC §1601 et seq.) + Regulation Z
 * (12 CFR Part 1026) provisions OTHER than the integrated Loan Estimate /
 * Closing Disclosure rule (§1026.19(e)/(f)). This pack covers:
 *   - Right of rescission (12 CFR §1026.23): 3-business-day right for
 *     non-purchase-money refinances and HELOCs
 *   - Ability-to-Repay / Qualified Mortgage (12 CFR §1026.43): ATR
 *     determination requirements, QM safe harbor, debt-to-income analysis
 *   - Advertising trigger terms (12 CFR §§1026.16, 1026.24): closed-end
 *     and open-end credit advertising rules; if a trigger term is used,
 *     additional disclosures are required
 *   - Credit card disclosures (12 CFR §§1026.5-1026.16): account-opening,
 *     periodic statement, change-in-terms, over-limit disclosures
 *   - Consumer lease disclosures (12 CFR Part 1013): not Reg Z but handled
 *     here as TILA's statutory companion for consumer credit/lease boundary
 *   - ARM initial/periodic disclosures (12 CFR §§1026.19(b), 1026.20(d))
 *   - HELOC disclosures (12 CFR §1026.40)
 *
 * NOT in scope for this pack (see us-trid.ts):
 *   - Loan Estimate delivery / Closing Disclosure delivery (§1026.19(e)/(f))
 *   - Integrated disclosure form numeric fields (APR on LE/CD forms)
 *   - Changed-circumstance revised LE workflow
 *
 * Cross-pack interactions:
 *   - us-tila x us-trid: 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-tila x us-respa: For mortgage servicing, both apply. RESPA Section 6
 *     QWR obligations and TILA right-of-rescission for modifications run in
 *     parallel. Strictest-wins on retention: RESPA 5-year governs over TILA
 *     3-year for shared mortgage records.
 *   - us-tila x us-trid x us-respa: For mortgage closings all three may
 *     activate. TILA rescission clock (§1026.23) and TRID LE/CD clocks
 *     (§1026.19(e)/(f)) run simultaneously; RESPA provides the QWR overlay.
 *
 * LLM-EGRESS PRIMACY RULES (Thomas directive 2026-04-22):
 *   - BLOCK: LLM from making ATR/QM determinations. The ATR determination
 *     (§1026.43) requires a documented reasonable good-faith belief by a
 *     licensed human; an LLM cannot be the sole or proximate source.
 *   - BLOCK: LLM from triggering rescission notice generation without human
 *     review. Rescission notices must accurately reflect the 3-day window.
 *   - REQUIRE GUARDRAILS: LLMs may draft advertising copy but trigger-term
 *     detection must fire; if a trigger term is present, full disclosure set
 *     must accompany the advertisement.
 *
 * @connexum/ai-governance
 */
import { CompliancePack } from './index';
import { CategoryClassifiers } from '../classification/pack-driven-classifier';
/**
 * TILA (non-TRID) category classifiers.
 * Covers rescission, ATR/QM, advertising trigger terms, credit cards, leases.
 */
export declare const US_TILA_CATEGORY_CLASSIFIERS: CategoryClassifiers;
export declare const US_TILA_PACK: CompliancePack & {
    categoryClassifiers: CategoryClassifiers;
    subjectKeyedCategories: string[];
};
//# sourceMappingURL=us-tila.d.ts.map