v0.4.0 - public financial validation expansion

v0.4.0

This release expands causal-credit-risk-engine with public financial dataset validation paths across mortgage performance, mortgage application, and consumer complaint governance workflows.

Added

• Public institutional mortgage validation path
• Freddie Mac single-family loan-level validation support
• Fannie Mae historical performance validation support
• HMDA / CFPB modified LAR validation support
• Public mortgage model and policy configuration
• CFPB Consumer Complaint validation path
• Complaint escalation / response-risk governance model
• Sampled evidence-pack support for large validation runs
• Progress output for long validation workflows
• Additional validation tests

Validation examples

Mortgage validation example:

• Rows processed: 30,000
• Accepted rows: 30,000
• Rejected rows: 0
• Datasets used: Freddie Mac, Fannie Mae, HMDA/CFPB
• Decision distribution: APPROVE 9,584 / REVIEW 4,368 / DECLINE 16,048
• Replay success rate: 1.0
• Audit-chain verification: true
• Evidence-pack mode: sampled, 1,000 rows

CFPB complaint validation example:

• 10,000 real CFPB complaint rows processed
• Decision distribution: APPROVE 0 / REVIEW 9,837 / DECLINE 163
• Replay success rate: 1.0
• Audit-chain verification: true

Unchanged

• Reference demo model remains unchanged
• Default example risk remains 0.849375
• Core inference math unchanged
• Existing BUSL-1.1 license posture unchanged

Important limitation

This is public financial dataset validation, not production validation. It does not use customer data, does not make credit eligibility decisions, and does not prove regulatory compliance.