Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/mortgage-lo-comp-respa-designWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-lo-comp-respa-design)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-lo-comp-respa-design"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-lo-comp-respa-design/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-lo-comp-respa-design"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-lo-comp-respa-design.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00082 | $0.00784 |
| Opus 5 | $0.00041 | $0.00392 |
| Sonnet 5 | $0.00016 | $0.00157 |
| Haiku 4.5 | $0.00008 | $0.00078 |
Grade A, and why
mortgage-lo-comp-respa-design scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 8d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 52 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Mortgage — LO Compensation & RESPA Guardrails
Industry front door for incentive-design. Adds domain triggers, example, packs only. Parent Process unchanged. Not legal advice. LO-comp and RESPA rules are strict-liability-adjacent; verify with counsel/compliance before designing any plan or arrangement.
Activate when: designing/reviewing loan-originator compensation; considering a marketing services agreement (MSA), lead-buy, or referral arrangement; "can we pay for these referrals?", "can comp vary by loan?" Do NOT activate when: unrelated ops incentives with no mortgage-referral nexus.
Why this variant
The parent incentive-design aligns incentives while avoiding perverse behavior. In mortgage, incentive design is legally constrained: the LO Comp Rule bars pay tied to loan terms, and RESPA Section 8 bars paying for referrals. Design must produce alignment inside these hard limits.
Domain inputs → parent's Process
- LO comp may not vary by interest rate or loan terms (proxy analysis); may vary by permissible factors (volume, loan amount within limits, etc.).
- RESPA §8: no fee/thing-of-value for the referral of settlement business; MSAs must be for actual services at fair market value (high scrutiny).
- Design the incentive to reward outcomes that are term-neutral and referral-clean (e.g., quality, cycle-time, compliance), never terms or referrals.
Worked example
Proposed bonus for LOs who "bring in higher-margin loans." → Fails: that's comp varying by terms (proxy). Redesign to reward volume/quality/on-time-clear metrics that don't correlate with terms. An MSA with a realtor must be priced to actual marketing services at FMV, or it's a §8 kickback.
Compliance anchors
- Reg Z LO Compensation Rule (1026.36); RESPA Section 8 (Reg X); CFPB MSA guidance.
Packs
- Brokerage: comp-plan legality screen (terms-neutral test).
- Owner: MSA / referral arrangement FMV + services review.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 8d ago First seen · 52 lines · 82 tokens per session scan A 75c0d0dc7c5c
mortgage-lo-comp-respa-design is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 9d ago), licensed MIT. It adds 82 tokens to every session and 784 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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