> ## Documentation Index
> Fetch the complete documentation index at: https://docs.deckr-ai.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Governance & Compliance

> How Deckr enforces regulatory standards throughout the underwriting pipeline.

## The Policy Agent

The Policy Agent is the final review stage before the Deckr Agent produces the deal sheet. It evaluates the assembled package against a vector-indexed regulatory knowledge base containing:

* **ECOA Reg B** — Equal Credit Opportunity Act requirements
* **Fair Housing Act** — anti-discrimination standards for real estate-related credit
* **SBA loan program rules** — program eligibility and documentation requirements
* **OCC/FFIEC examination guidance** — safety and soundness standards

## How it works

The Policy Agent uses semantic retrieval to find applicable regulations based on the specific loan characteristics — loan type, borrower profile, collateral, and structure. It then evaluates the package for compliance and issues a governance clearance or flags items for human review.

## Governance clearance

When the Policy Agent completes its review, it saves a governance clearance report to `Agent Notes/governance_clearance.md`. This document:

* Confirms which regulations were reviewed
* Lists any compliance flags raised
* Provides the basis for each finding

<Danger>If a compliance flag is raised, do not submit the package to a lender without first reviewing the flagged item with qualified legal or compliance counsel. Deckr's Policy Agent is an analytical aid, not a legal opinion.</Danger>

## What happens if a flag is raised?

A flag indicates the Policy Agent identified a potential regulatory concern. Common flag categories include:

* **Fair lending** — language or structure that could indicate disparate treatment
* **Documentation gaps** — missing items required by applicable program rules
* **Structural concerns** — terms that may not conform to examination guidance

Review the specific flag in `governance_clearance.md` and address the item before submission.

## Beneficial ownership

The Guarantor Agent checks ownership structure against the FinCEN Customer Due Diligence (CDD) Rule. Individuals owning 25% or more of the borrowing entity are flagged for beneficial ownership documentation.