# Guidelines on Artificial Intelligence Risk Management (MAS) — Transparency & Explainability
# Blocks requests to deploy opaque/unexplainable AI for consequential
# financial decisions (credit, claims, trading) without explainability.
# Reference: https://www.mas.gov.sg/publications/consultations/2025/consultation-paper-on-guidelines-on-artificial-intelligence-risk-management
category_name: "sg_mas_transparency_explainability"
description: "Guidelines on Artificial Intelligence Risk Management (MAS) — Blocks opaque or unexplainable AI systems for consequential financial decisions"
default_action: "BLOCK"

identifier_words:
  # Opacity indicators
  - "black box"
  - "unexplainable"
  - "opaque model"
  - "no explanation"
  - "without explanation"
  - "non-interpretable"
  - "uninterpretable"
  - "hidden logic"

  # Consequential financial decisions
  - "credit decision"
  - "lending decision"
  - "loan decision"
  - "claims decision"
  - "underwriting decision"
  - "trading decision"
  - "investment decision"
  - "KYC decision"
  - "AML decision"

additional_block_words:
  # Deployment actions
  - "deploy"
  - "launch"
  - "put into production"
  - "go live"
  - "release"
  - "roll out"

  # Opacity-related
  - "without audit trail"
  - "no logging"
  - "hide reasoning"
  - "skip explanation"
  - "remove explainability"
  - "disable explanation"
  - "suppress reasoning"

  # Customer impact
  - "customer-facing"
  - "client-facing"
  - "consumer-facing"
  - "customer decision"

always_block_keywords:
  - keyword: "deploy black box model for credit decision"
    severity: "high"
  - keyword: "launch unexplainable AI for lending"
    severity: "high"
  - keyword: "no explanation for loan denial"
    severity: "high"
  - keyword: "hide reasoning from customer"
    severity: "high"
  - keyword: "opaque model for insurance claims"
    severity: "high"
  - keyword: "remove explainability from trading system"
    severity: "high"
  - keyword: "deploy without audit trail financial"
    severity: "high"

exceptions:
  - "improve explainability"
  - "add explainability"
  - "interpretability"
  - "model card"
  - "with audit trail"
  - "add audit trail"
  - "explain what"
  - "explain how"
  - "what is"
  - "SHAP"
  - "LIME"
  - "feature importance"
  - "research"
  - "academic"
  - "improve transparency"
  - "add explanation"
  - "compliance"
