shadow-mentor

# shadow-mentor 5-voice AI compliance council for regulated lending. Drop into Claude Desktop / Cursor / Zed / OpenCode / OpenClaw via MCP. Mid-tier US bank pitch: **$1,800 / compliance-officer seat / year**. Open source MIT. ## What it does Eleven MCP tools that turn an LLM chat into a procurement-defensible loan-origination compliance surface: - `shadow_loan_council` — Deterministic 5-voice verdict (block / escalate / approve) + per-voice rationale + risk packet + thresholds applied. **FICO < 700 is a hardcoded `if` with a pinned test.** - `shadow_loan_council_typed` — same council with a typed request/response contract - `shadow_risk_tools` — Institutional risk primitives: VaR (historical / parametric / MC), Expected Shortfall, concentration (HHI / Gini), sector exposure, correlation (Pearson / Spearman / EWMA), factor exposures, beta decomposition - `shadow_recall` — Cross-session memory recall keyed by persona + scenario - `shadow_calibration` — Per-persona Brier calibration stats (for SR 26-2 model risk monitoring) - `shadow_scenarios` — Surface enumeration (5 personas × 4 scenarios × 4 device clients × 2 providers) - `shadow_traceability` — Source attribution for any threshold (BRD vs Addendum vs Risk Appetite Note) per CFPB / ECOA / SR 26-2 - `shadow_verify_attestation` — verify a signed request→output attestation (Ed25519 / HMAC) - `shadow_banking_profile` — check a bundle against the Banking Evidence Profile ("is this credit decision auditable?"), with optional ...