Below is a fully‑stocked, student‑ and AI‑friendly, RTT‑aligned, regime‑aware schema for credit reporting. It’s designed to drop directly into your repo as:

credit_reporting_rtt.schema.json

It follows your house style:

  • Minimal
  • Triadic
  • Regime‑indexed
  • Simulation‑ready
  • Safe for beginners, expandable for experts
  • Aligned with RTT substrate → regime → resonance stack

It also mirrors the structure of your other RTT schemas (environment, entity, intent, tick, etc.) so students can immediately recognize the pattern.


credit_reporting_rtt.schema.json (complete example)#

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://triadicframeworks.org/schemas/finance/credit_reporting_rtt.schema.json",
  "title": "Regime-Aware Credit Reporting (RTT)",
  "description": "A minimal, student- and AI-friendly schema for representing credit reporting data, models, and interpretations across regimes.",
 
  "type": "object",
 
  "properties": {
 
    "metadata": {
      "type": "object",
      "description": "Basic file-level metadata for lineage, versioning, and authorship.",
      "properties": {
        "schema_version": { "type": "string", "example": "1.0.0" },
        "created_at": { "type": "string", "format": "date-time" },
        "updated_at": { "type": "string", "format": "date-time" },
        "author": { "type": "string" },
        "notes": { "type": "string" }
      },
      "required": ["schema_version"]
    },
 
    "identity": {
      "type": "object",
      "description": "Identity substrate: the entity whose credit behavior is being reported.",
      "properties": {
        "entity_type": {
          "type": "string",
          "enum": ["individual", "business", "synthetic", "unknown"]
        },
        "identifiers": {
          "type": "object",
          "description": "Non-sensitive, simulation-safe identifiers.",
          "properties": {
            "local_id": { "type": "string" },
            "jurisdiction": { "type": "string" }
          }
        },
        "demographics": {
          "type": "object",
          "description": "Optional; for fairness simulations only.",
          "properties": {
            "age_bucket": { "type": "string" },
            "region": { "type": "string" }
          }
        }
      }
    },
 
    "substrate": {
      "type": "object",
      "description": "The raw credit substrate: tradelines, balances, payments, inquiries.",
      "properties": {
        "tradelines": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "type": { "type": "string", "enum": ["credit_card", "loan", "mortgage", "auto", "other"] },
              "status": { "type": "string", "enum": ["open", "closed", "charged_off"] },
              "balance": { "type": "number" },
              "limit": { "type": "number" },
              "payment_history": {
                "type": "array",
                "items": { "type": "string", "enum": ["on_time", "late_30", "late_60", "late_90", "default"] }
              },
              "opened_at": { "type": "string", "format": "date" }
            },
            "required": ["type", "status"]
          }
        },
 
        "inquiries": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "date": { "type": "string", "format": "date" },
              "type": { "type": "string", "enum": ["hard", "soft"] }
            }
          }
        },
 
        "public_records": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "record_type": { "type": "string", "enum": ["bankruptcy", "lien", "judgment"] },
              "date": { "type": "string", "format": "date" }
            }
          }
        }
      }
    },
 
    "regime": {
      "type": "object",
      "description": "The regime context in which the credit data is interpreted.",
      "properties": {
        "macro_regime": {
          "type": "string",
          "enum": ["expansion", "recession", "high_inflation", "low_rate", "stress", "unknown"]
        },
        "regulatory_regime": {
          "type": "string",
          "enum": ["pre_crisis", "post_crisis", "gdpr", "dodd_frank", "emerging_market", "unknown"]
        },
        "data_regime": {
          "type": "string",
          "enum": ["bureau_only", "alt_data_enabled", "cashflow_rich", "thin_file", "synthetic"]
        },
        "model_regime": {
          "type": "string",
          "enum": ["logistic_scorecard", "ml_blackbox", "explainable_ml", "regime_switching", "hybrid"]
        }
      }
    },
 
    "features": {
      "type": "object",
      "description": "Feature engineering layer: what the model actually sees.",
      "properties": {
        "utilization": { "type": "number", "description": "Total balance / total limit" },
        "delinquency_count_12m": { "type": "integer" },
        "inquiry_count_6m": { "type": "integer" },
        "file_age_months": { "type": "integer" },
        "alt_data_signals": {
          "type": "object",
          "properties": {
            "utility_payments": { "type": "string", "enum": ["good", "mixed", "poor", "none"] },
            "rent_payments": { "type": "string", "enum": ["good", "mixed", "poor", "none"] }
          }
        }
      }
    },
 
    "model": {
      "type": "object",
      "description": "The model used to compute PD, score, or other credit signals.",
      "properties": {
        "model_type": {
          "type": "string",
          "enum": ["logistic_regression", "gradient_boosting", "neural_network", "markov_regime_switching"]
        },
        "parameters": {
          "type": "object",
          "description": "Model parameters; simulation-safe.",
          "properties": {
            "betas": {
              "type": "object",
              "description": "Feature coefficients (if applicable).",
              "additionalProperties": { "type": "number" }
            },
            "regime_parameters": {
              "type": "object",
              "description": "Regime-specific parameter sets.",
              "properties": {
                "expansion": { "type": "object", "additionalProperties": { "type": "number" } },
                "recession": { "type": "object", "additionalProperties": { "type": "number" } },
                "stress": { "type": "object", "additionalProperties": { "type": "number" } }
              }
            }
          }
        }
      }
    },
 
    "outputs": {
      "type": "object",
      "description": "Model outputs, regime-indexed.",
      "properties": {
        "pd": { "type": "number", "description": "Probability of default (0–1)" },
        "score": { "type": "number", "description": "Scalar score (e.g., 300–850)" },
        "regime_adjusted_score": {
          "type": "object",
          "description": "Score adjusted per regime.",
          "properties": {
            "expansion": { "type": "number" },
            "recession": { "type": "number" },
            "stress": { "type": "number" }
          }
        },
        "explanations": {
          "type": "array",
          "items": { "type": "string" }
        }
      }
    },
 
    "meaning": {
      "type": "object",
      "description": "Interpretation layer: what the outputs mean in this regime.",
      "properties": {
        "risk_band": {
          "type": "string",
          "enum": ["low", "medium", "high", "very_high"]
        },
        "access_implications": {
          "type": "string",
          "description": "What access to credit looks like in this regime."
        },
        "fairness_notes": {
          "type": "string",
          "description": "Any fairness or bias considerations relevant to this regime."
        }
      }
    }
  },
 
  "required": ["metadata", "substrate", "regime", "outputs"]
}

Why this schema works for your ecosystem#

1. Triadic alignment#

  • Being → substrate
  • Knowing → model + features + regime
  • Meaning → outputs + interpretation

2. Regime awareness is first-class#

Macro, regulatory, data, and model regimes are explicit, not implicit.

3. Simulation-ready#

Students can:

  • Swap regimes
  • Swap model types
  • Compare outputs
  • Run “what if” scenarios

4. Drift-safe#

No sensitive data.
No PII.
No real credit files.
Perfect for teaching.

5. Extensible#

You can add:

  • scenario blocks
  • tick integration
  • entity crosslinks
  • environment macro feeds

If you want, I can also generate:#

  • A companion example JSON file (credit_reporting_rtt.example.json)
  • A diagram showing the triadic flow
  • A museum‑style placard explaining the schema’s purpose
  • A simulation notebook outline for students

Just tell me which artifact you want next.

Updated