Assess whether agents must have a human gate for external actions (d951b3)

Situation

A bank running three models on the same credit file cannot treat a customer discovering AI copy with no disclosure as color commentary on multi-model disagreement log on production cases. Model-deprecation manager must close agents must have a human gate from that extract under AI Governance Layer / Lifecycle and Accountability.

Decision

Model-deprecation manager in a bank running three models on the same credit file must choose Policy or governance breach / Model defect / Dual failure / Hold for the missing fact using multi-model disagreement log on production cases after a customer discovering AI copy with no disclosure.

Hypotheses to test

• A customer discovering AI copy with no disclosure is noise around an already-controlled Lifecycle and Accountability process in a bank running three models on the same credit file, given multi-model disagreement log on production cases.
• A customer discovering AI copy with no disclosure is the event in multi-model disagreement log on production cases that forces Policy or governance breach for model-deprecation manager under AI Governance Layer.
• Multi-model disagreement log on production cases shows a one-file miss after a customer discovering AI copy with no disclosure, not a Lifecycle and Accountability program failure.
• Multi-model disagreement log on production cases cannot decide agents must have a human gate yet after a customer discovering AI copy with no disclosure; hold is the only AI Governance Layer close a bank running three models on the same credit file can defend.

Analysis required

• Score whether the agent action in multi-model disagreement log on production cases was in-policy, out-of-policy, or unlogged.
• Confirm the inventory line still matches the running configuration in a bank running three models on the same credit file.
• Map the control-plane score in multi-model disagreement log on production cases to the policy gate model-deprecation manager can enforce.
• For this AI Governance Layer Lifecycle and Accountability file, read multi-model disagreement log on production cases against a customer discovering AI copy with no disclosure and write the one fact that would move agents must have a human gate for model-deprecation manager.

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