credit-model-ai-act

credit-model-ai-act is a skill for Claude Code, Codex from PostOakLabs/ainumbers. It costs 41 tokens per session (560 once invoked), scanned A, original, MIT.

A credit-risk and EU AI Act review for a lending model. It scores default risk for sample applicants and checks evidence for requirements such as data controls, logging, human oversight, and accuracy.

In plain words
What is it for?
Use it to review a credit model's risk scores, assess whether required AI governance evidence exists, assign open gaps to owners, and prepare a committee note.
Why use it?
It helps a model-risk team find missing governance evidence before an examiner or internal reviewer asks for it. It separates the model's risk results from its compliance gaps.

Skill for Claude CodeCodex

Written for no agent in particular: nothing here depends on one.

Good fit Use it to review a credit model's risk scores, assess whether required AI governance evidence exists, assign open gaps to owners, and prepare a committee note.

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Install with agentmods
npx agentmods add skills/postoaklabs/ainumbers/credit-model-ai-act
Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

Any agent
npx skills add PostOakLabs/ainumbers --skill credit-model-ai-act
Clone the repo
git clone --depth 1 https://github.com/PostOakLabs/ainumbers

Made for: Claude Code, Codex.

Wrote 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.

agentmods badge for credit-model-ai-act

README.md
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Your own site
<a href="https://agentmods.dev/skills/postoaklabs/ainumbers/credit-model-ai-act"><img src="https://agentmods.dev/badge/skills/postoaklabs/ainumbers/credit-model-ai-act/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.

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Your own site · 80×15
<a href="https://agentmods.dev/skills/postoaklabs/ainumbers/credit-model-ai-act"><img src="https://agentmods.dev/badge/skills/postoaklabs/ainumbers/credit-model-ai-act.svg" alt="Reviewed on agentmods" width="80" height="20"></a>
Per session 41 Skills are progressive disclosure: only the name and description are preloaded; the body loads when the skill is used.
When invoked 560 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. A grade says what 26 rules found in the file — not that it is safe.
Origin original No closer match found in the catalogue.
Token cost

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.

ModelPer sessionOnce invoked
Fable 5.1 $0.00041 $0.00560
Opus 5.5 $0.00016 $0.00224
Sonnet 5.5 $0.00008 $0.00112
Haiku 4.5 $0.00004 $0.00056

Measured 15d ago against content hash c8f7e30ac6e5, method: parsed. Prices are Anthropic first-party input rates as of 2026-10-07, from the pricing page.

Security

Grade A, and why

credit-model-ai-act 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 15d 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.

skills/credit-model-ai-act/SKILL.md · 40 lines

What it actually says

Credit model AI Act pack

Score credit default risk and produce the EU AI Act conformity pack for the model.

Prompt

Put the credit model's governance evidence where an examiner can recompute it.

  1. Call score_credit_default_risk on a synthetic applicant pool. Record the score distribution and the top features the model used.
  2. Call assess_ai_act_conformity for the model as a high-risk system under the AI Act. Record each requirement's evidence verdict (data governance, logging, human oversight, accuracy).
  3. Run the chain ai-governance-credit-ai-conformity with run_chain. Record the composed verdict and execution_hash.
  4. Gap list: name the conformity items with no evidence yet and who owns each.
  5. build_session_receipt over the scoring run, the conformity assessment, and the chain; give me the ledger link.
  6. Write the note for the model-risk committee: the conformity status, the gap owners, and the ledger link, so the committee's evidence survives model retraining by re-running the same receipt. Call shape: every ChainGraph node tool takes its arguments nested under one wrapper object, e.g. {"policy_parameters": { ... }}; flat arguments are discarded by schema validation. If a named tool is not in your tool list, call call_tool with { "name": "", "arguments": { … } }. It runs the same validation and returns the same receipt. GPU note: the score_credit_default_risk tool computes in your browser, so the MCP endpoint returns no execution_hash; export the Policy Mandate artifact the page produces and pass that full artifact to verify_execution_hash as claimed_hash.

How to run

Connect an MCP-capable host to https://mcp.ainumbers.co/mcp, then give the prompt above to the assistant.

Use synthetic inputs only. Never paste personal or production data.

Verify what came back

Changes

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.

  1. 15d ago Changed c8f7e30ac6e5
  2. 19d ago First seen · 40 lines · 41 tokens per session scan A b5dce5337f50

Subscribe to this mod's changes

credit-model-ai-act is a skill published in the GitHub repository PostOakLabs/ainumbers (11 stars, last pushed yesterday), licensed MIT. It adds 41 tokens to every session and 560 once invoked, about $0.0002 per session on Opus 5.5. 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 2026-09-27.

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