ValiFit Constitutional Charter
FHA-Safe Methodology
The principle
No protected class — race, ethnicity, religion, national origin, sex, familial status, disability — is a factor in any score, recommendation, or routing decision.
The commitment
Federal Fair Housing Act + ECOA Section 1002.6 prohibit using protected-class variables in housing decisions. ValiFit's scoring engine measures INFRASTRUCTURE INVESTMENT (per-pupil spending, hospital bed density, EMS response coverage, fire-station radius, commute time, market appreciation), never demographic outcomes. The federal CRDC race-coded school columns exist in our database (federally-required reporting), but no scoring code path can reference them. The Phase 6.A static-scan CI test (__tests__/fha-compliance.test.ts) blocks any commit that introduces a race or ethnicity token into 9 scoring code paths. The Phase 6.N firewall blocks pay-to-play tokens that could correlate with protected class via redlining proxy.
Why this matters
Algorithmic redlining is the modern form of redlining. A "neighborhood quality score" that secretly indexes racial composition violates federal law and reinforces decades of housing segregation. We refuse to ship that, and we make refusal mechanical: the test suite enforces it on every commit.
How we enforce
__tests__/fha-compliance.test.ts (20 tests, Phase 6.A) static-scans 9 scoring paths for race/ethnicity tokens AND verifies known race-coded DB columns are never imported. Runs on every push. __tests__/monetization-firewall.test.ts (10 tests, Phase 6.N) prevents payment from correlating with placement.
Aligns with
- FHA (Fair Housing Act)
- ECOA Section 1002.6
- HUD Disparate Impact Standard
Last reviewed and affirmed: 2026-05-08. The charter is versioned with the codebase — a Git history of changes to lib/charters.ts serves as the audit log.