README.md

metadata

title: Regulatory Loan Analyst (FDIC 3.2)
emoji: 🏦
colorFrom: blue
colorTo: green
sdk: gradio
sdk_version: 5.12.0
python_version: '3.10'
app_file: app.py
pinned: false

📄 Regulatory Loan Evaluation Assistant

This application is a prompt-engineered regulatory reasoning system designed for loan evaluation in accordance with the FDIC RMS Manual of Examination Policies – Section 3.2 (Loans).

🔍 What this system does

• Extracts structured loan facts from uploaded loan documents using OCR
• Answers user questions using only:
  • Extracted loan facts, and
  • FDIC Section 3.2 regulatory guidance
• Refuses non-loan or out-of-scope questions
• Avoids approvals, rejections, or predictions

🧠 Key Design Principles

• Prompt engineering only (no model training or fine-tuning)
• Single source of truth for regulatory reasoning
• Audit-ready, document-grounded responses
• Regulatory tone aligned with examiner expectations

📌 Inputs

• Optional loan documents (PDF / image)
• User regulatory or loan-related questions

🚫 Explicitly excluded

• Credit scoring
• Automated decisions
• OCR beyond basic text extraction
• External data sources

This project is intended for educational and regulatory analysis purposes only.