# Data Breach

> Data Breach shows where trust, identity, data, money, and documents can be manipulated

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:fraud-cyber:data-breach` |
| Family | Fraud, Cyber & Operational Failure |
| Domain | Technology |
| Era | Agentic Age |
| Kind | concept |
| Archetype | The Field |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Data Breach is a concept in the Fraud, Cyber & Operational Failure family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Data Breach shows where trust, identity, data, money, and documents can be manipulated.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Data Breach shows where trust, identity, data, money, and documents can be manipulated
- **Gift:** Clarity about data breach makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When data breach is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when data breach is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where data breach appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Data Breach reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Data Breach changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Data Breach changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Data Breach can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Field enters the reading through Data Breach. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Data Breach becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 4.

## Relationships

- **Smart Building is evidenced by Data Breach.** Smart Building is evidenced by Data Breach through a change in rights, information, cash flow, priority, timing, or physical use.
- **Business Email Compromise depends on Data Breach.** Business Email Compromise depends on Data Breach through a change in rights, information, cash flow, priority, timing, or physical use.
- **Data Breach constrains Cyber Extortion.** Data Breach constrains Cyber Extortion through a change in rights, information, cash flow, priority, timing, or physical use.
- **Data Breach is administered through Underbuilding.** Data Breach is administered through Underbuilding through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Data Breach through the lineage of Fraud, Cyber & Operational Failure: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Data Breach: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Mortgage Resources](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/) — Consumer Financial Protection Bureau; origination, disclosures, appraisal, servicing, mortgage regulation.
- [eMortgage Standards and Specifications](https://www.mismo.org/standards-resources/emortgage-standards-and-specifications) — Mortgage Industry Standards Maintenance Organization; eMortgage, SMART Doc, RON, eVault, eRecording.
- [Risk Management Manual — Commercial Real Estate Lending](https://www.fdic.gov/risk-management-manual-examination-policies/commercial-real-estate-lending) — Federal Deposit Insurance Corporation; CRE underwriting and risk management.
