FRC · Passive Denial Intelligence System

Live Underwriting
Radar

CFPB complaint analysis → AI classification → daily-updated OFI. Updated every morning at 09:00 UTC from public federal data.

Overlay Friction Index

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CFPB Overlay Ratio—

Signal Count—

Active Signals

Decision Macro-State

EXPANSION
OFI≤40

MODERATE ←
OFI 40-55

TIGHTENING
OFI 55-70

RESTRICTIVE
OFI>70

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Lender Category Friction Map (CFPB signals)

Source: CFPB Consumer Complaint Database (public federal data) · AI-classified by FRC · raw data →

Live UnderwritingRadar