{"floor":{"meta":{"id":"floor","kind":"floor","version":"0.5","region":"global","domain":"general","name":"Global floor","layer":"L1","issuer":{"id":"global.floor.root.0001","kind":"root","name":"Conscience Graph Foundation root program (placeholder)"},"requires":[],"manifest_hash":"sha256:f6f84fcf2ee908e4c9187ba49d8791f350f638f8af7dd49607d82cecb7a772a7"},"sources":[{"id":"src.udhr","title":"Universal Declaration of Human Rights","issuer":"United Nations","version":1948,"url":"https://www.un.org/en/about-us/universal-declaration-of-human-rights","opened":"2026-10-19"},{"id":"src.oecd_ai","title":"Recommendation of the Council on Artificial Intelligence (OECD AI Principles), OECD/LEGAL/0449","issuer":"OECD","version":"adopted 22 May 2019, amended 3 May 2024","url":"https://oecd.ai/en/ai-principles","opened":"2026-10-19"},{"id":"src.au_ai_ethics","title":"Australia's AI Ethics Principles","issuer":"Department of Industry, Science and Resources (Australia)","version":"2019, current","url":"https://www.industry.gov.au/publications/australias-artificial-intelligence-ethics-principles","opened":"2026-10-19"},{"id":"src.crim_code","title":"Criminal Code Act 1995 (Cth), Part 10.7","issuer":"Commonwealth of Australia","version":"current compilation","url":"https://www.legislation.gov.au/C2004A04868/latest/text","opened":"2026-10-19"},{"id":"src.privacy_act","title":"Privacy Act 1988 (Cth), Schedule 1 Australian Privacy Principles","issuer":"Commonwealth of Australia","version":"current compilation","url":"https://www.legislation.gov.au/C2004A03712/latest/text","opened":"2026-10-19"},{"id":"src.hou_green","title":"Foundational Moral Values for AI Alignment","issuer":"Hou, B. 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L. 119-12","issuer":"U.S. Congress","version":"19 May 2025","url":"https://www.congress.gov/bill/119th-congress/senate-bill/146","opened":"2026-10-21"},{"id":"src.can_spam","title":"CAN-SPAM Act, 15 U.S.C. 7701-7713, and the Telephone Consumer Protection Act, 47 U.S.C. 227","issuer":"U.S. Code","version":"current","url":"https://www.law.cornell.edu/uscode/text/15/chapter-103","opened":"2026-10-21"},{"id":"src.bipa","title":"Biometric Information Privacy Act, 740 ILCS 14 (Illinois)","issuer":"Illinois General Assembly","version":"2008; Rosenbach v. 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rely on the statute and regulation it interpreted.","sharpness":0.5,"source":"src.cfpb_withdrawal","clause":"Withdrawal of Guidance, applicable 12 May 2025 (16 circulars including 2022-03, 2023-03, 2024-06; abusive practices policy statement 88 FR 21883; background screening advisory 89 FR 4171)","area":"consumer","weight_default":0.4},{"id":"usfin.ops.it_resilience","layer":"L2","statement":"Run technology under the FFIEC IT Handbook: documented architecture and operations controls, secure development and acquisition, information security programme, business continuity and tested recovery.","sharpness":0.5,"source":"src.ffiec_it","clause":"FFIEC IT Examination Handbook booklets (Architecture, Infrastructure and Operations; Development and Acquisition; Information Security; Business Continuity Management)","area":"model_risk","weight_default":0.5}],"edges":[{"type":"constrains","from":"usfin.mrm.validation","to":"deploy_model","weight":0.9,"reason":"Validated before use."},{"type":"constrains","from":"usfin.mrm.governance","to":"deploy_model","weight":0.1,"reason":"Obligation: inventory and governance."},{"type":"constrains","from":"usfin.mrm.validation","to":"extend_credit","weight":0.5,"reason":"A credit model in use is validated."},{"type":"constrains","from":"usfin.credit.no_discrimination","to":"extend_credit","weight":1.0,"reason":"ECOA."},{"type":"constrains","from":"usfin.credit.no_discrimination","to":"deploy_model","weight":0.8,"reason":"Disparate impact in models."},{"type":"constrains","from":"usfin.credit.adverse_action","to":"extend_credit","weight":0.1,"reason":"Obligation: reasons given."},{"type":"constrains","from":"usfin.credit.report_use","to":"extend_credit","weight":0.8,"reason":"FCRA permissible purpose and notice."},{"type":"constrains","from":"usfin.aml.cip","to":"accept_cash_deposit","weight":0.6,"reason":"Identity known."},{"type":"constrains","from":"usfin.aml.sar","to":"file_sar","weight":0.1,"reason":"Obligation: SAR."},{"type":"constrains","from":"usfin.aml.sar","to":"accept_cash_deposit","weight":0.7,"reason":"Suspicion on deposit."},{"type":"constrains","from":"usfin.aml.ctr","to":"accept_cash_deposit","weight":1.0,"reason":"CTR and anti-structuring."},{"type":"constrains","from":"usfin.sanctions.block","to":"transfer_funds","weight":1.0,"reason":"OFAC screening before payment."},{"type":"constrains","from":"usfin.sanctions.block","to":"screen_sanctions","weight":0.1,"reason":"Obligation: screening."},{"type":"constrains","from":"usfin.privacy.glba","to":"share_customer_data","weight":0.9,"reason":"Reg P."},{"type":"constrains","from":"usfin.consumer.udaap","to":"extend_credit","weight":0.7,"reason":"UDAAP."},{"type":"constrains","from":"usfin.consumer.udaap","to":"underwrite_insurance","weight":0.5,"reason":"Fair dealing."},{"type":"constrains","from":"usfin.consumer.error_resolution","to":"transfer_funds","weight":0.1,"reason":"Obligation: error handling."},{"type":"constrains","from":"usfin.insurance.ai_program","to":"underwrite_insurance","weight":0.8,"reason":"NAIC AI program."},{"type":"constrains","from":"usfin.insurance.ai_program","to":"deploy_model","weight":0.6,"reason":"Insurer models."},{"type":"conflicts_with","from":"usfin.aml.sar","to":"usfin.credit.adverse_action","note":"Reasons for refusal must not reveal a SAR. Give the permissible reasons; escalate."},{"type":"scopes","from":"fair_lending","to":"usfin.credit.no_discrimination","multiplier":1.0},{"type":"scopes","from":"model_risk","to":"gfin.prud.model_validation","multiplier":1.2},{"type":"scopes","from":"aml","to":"gfin.aml.str","multiplier":1.0},{"type":"constrains","from":"usfin.mrm.third_party","to":"engage_third_party","weight":0.7,"reason":"Due diligence, contract terms and monitoring before reliance; no outsourcing of accountability"},{"type":"constrains","from":"usfin.mrm.third_party","to":"deploy_model","weight":0.4,"reason":"Third-party models need the same validation and oversight"},{"type":"constrains","from":"usfin.mrm.genai_supervision","to":"deploy_model","weight":0.5,"reason":"Generative AI tools fall under supervisory and model risk obligations"},{"type":"constrains","from":"usfin.mrm.genai_supervision","to":"communicate","weight":0.3,"reason":"AI-generated customer communications must meet Rule 2210 content standards"},{"type":"constrains","from":"usfin.conduct.best_interest","to":"recommend_investment","weight":0.9,"reason":"A recommendation that places the firm's interest first is stopped"},{"type":"constrains","from":"usfin.conduct.suitability","to":"recommend_investment","weight":0.8,"reason":"No reasonable basis for suitability stops the recommendation"},{"type":"constrains","from":"usfin.privacy.sec_incident","to":"notify_customer_incident","weight":0.1,"reason":"30-day customer notice obligation for broker-dealers, advisers and funds"},{"type":"constrains","from":"usfin.privacy.safeguards_breach","to":"notify_customer_incident","weight":0.1,"reason":"FTC notice within 30 days for 500 or more consumers"},{"type":"constrains","from":"usfin.privacy.safeguards_breach","to":"share_customer_data","weight":0.4,"reason":"Safeguards must travel with shared customer information"},{"type":"constrains","from":"usfin.insurance.ny_testing","to":"underwrite_insurance","weight":0.8,"reason":"Untested external data or AI in NY underwriting or pricing is stopped"},{"type":"constrains","from":"usfin.insurance.ny_testing","to":"deploy_model","weight":0.6,"reason":"Fairness testing before production and after material change"},{"type":"constrains","from":"usfin.insurance.co_governance","to":"underwrite_insurance","weight":0.8,"reason":"Colorado insurers must test and remediate unfair discrimination"},{"type":"constrains","from":"usfin.insurance.co_governance","to":"deploy_model","weight":0.5,"reason":"Governance framework and documentation before deployment"},{"type":"constrains","from":"usfin.credit.housing_disparate_impact","to":"extend_credit","weight":0.9,"reason":"Mortgage decisions with unjustified disparate impact are stopped"},{"type":"constrains","from":"usfin.credit.housing_disparate_impact","to":"deploy_model","weight":0.6,"reason":"Mortgage and appraisal models must pass the discriminatory effects test"},{"type":"constrains","from":"usfin.credit.housing_disparate_impact","to":"underwrite_insurance","weight":0.6,"reason":"Homeowner insurance is a residential real estate-related transaction"},{"type":"constrains","from":"usfin.credit.hmda","to":"extend_credit","weight":0.1,"reason":"Record and report HMDA data on each covered application"},{"type":"constrains","from":"usfin.credit.ability_to_repay","to":"extend_credit","weight":0.9,"reason":"No ability-to-repay determination stops a covered mortgage"},{"type":"constrains","from":"usfin.credit.employment_report","to":"obtain_consumer_report","weight":0.9,"reason":"No stand-alone disclosure and authorisation stops obtaining the report; 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