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license: cc-by-4.0
language: en
tags: [text-classification, multi-label, citation, provenance, mortgage, hmda, fha]
base_model: distilroberta-base
---
# frc-contract-drift
Sentence → the reason codes FinanceRateCalc's deterministic gate assigns when a published figure is restated in a way the record cannot support. Labels: CAUSALITY_NOT_ESTABLISHED, INDIVIDUAL_PREDICTION_PROHIBITED, LEGAL_CONCLUSION_NOT_SUPPORTED, LENDER_RECOMMENDATION, PROGRAM_MISMATCH, QUALIFIER_DELETED, SAME_APPLICANT_FRAMING, SCOPE_TOO_BROAD.
Trained on 4850 rule-generated sentences from 386 claim contracts (canonical sentence and faithful paraphrases → no code; rule-written distortions → the code), plus the citation-decision fixture candidates with the codes the gate gave them. No model wrote any training sentence. Held out by claim id: exact-match 0.998, per-label precision/recall in `eval.json`.
This model does not decide anything on financeratecalc.com — the gate does. It is a second reader for paraphrases the regexes miss, and a reproducible artefact of the record. It knows nothing about figures it was not shown; check the number with the receipt, not with this model.
Data: https://financeratecalc.com/eval/drift-training-set.jsonl · Spec: https://financeratecalc.com/rl-env/CITATION-DECISION-SPEC.md · Source: https://github.com/financeratecalc/financeratecalc.github.io
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