← Mandate Registry · 7 mandate layers · model_risk
financial · Federal Reserve SR 11-7 · OCC 2011-12 · Basel III Pillar 2
Bank Model Risk Management (SR 11-7)
CMRO must document human review before remediation — receipt or 483-equivalent
—Freddie Mac AI governance (SR 11-7 baseline)
Regulatory exposure — commonly overlooked:
Banks validate models quarterly but cannot produce per-inference audit — examiners now ask both.
Model drift
Performance degradation without documented override = consent order pattern.
Vendor models
Third-party credit models — bank owns validation, vendor owns nothing.
CECL correlation
AI loss forecasting for CECL requires auditable assumption chain.
7 mandate layers (live)
Regulatory Clock
Countdown to operative regulatory deadline — NAIC adoption, GSE mandate, EU transposition.
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Domain Classifier
Industry-specific SAFE/CRISIS/VIOLATION with regulatory framework mapping.
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Exhibit / Filing Pack
Regulator-ready external validation — NAIC Exhibit D, Fannie QC, EU FRIA, FDA Part 11.
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Mandate Registry
Enroll deployers/insureds under vertical-specific governance mandate.
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Bind / Action Gate
ALLOW/BLOCK before consequential action — bind policy, sell loan, deactivate worker.
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Compliance Certificate
Deployer-facing downloadable cert — forward to counsel, auditor, regulator.
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Actuarial / Risk Feed
Anonymized asymmetry signals for pricing, reserving, reinsurance correlation.
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