Draft — not yet in force

Who is authorized to let the machine act?

You are simulating the authorized governance owner. Production workers cannot edit these rules.

Governing EnvelopeENV-CL-2026 · v1.0 · registered separately

The Envelope sets the limits of the owner's discretion. Within these limits the owner tunes the boundary below; each such change is a Governance Judgment Record. Changing anything in this panel amends the Envelope and requires higher authority than the boundary owner holds.

Decision governedConsumer installment loan applications — automated approval path
Accountable ownerVP Consumer Credit
Score floorOwner-set dial; may not go below 660
Loan amountOwner-set operating ceiling, up to a hard maximum of $50,000 the owner may never exceed
Always human-routedAll declines — invariant, cannot be automated
Non-disableable exclusionsFraud flag · thin-file · adverse action within 24 months · manual referral
Authorized AI systemCSE-2 only — no other system may act under this Envelope

This step produces a Governance Judgment Record: evidence of the human judgment that sets the boundary below, exercised within the Governing Envelope above. The owner tunes the floor and the operating ceiling inside the Envelope's limits. That is a decision inside the Envelope, not a change to the Envelope itself.

Required exclusions
Structured reasons
Judgment AssuranceJA-ES v0.6 Reference Demo