---
title: Regulatory Loan Evaluation Assistant
emoji: 🏦
colorFrom: blue
colorTo: green
sdk: gradio
sdk_version: "4.0"
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**.