# FIRREA

> FIRREA sets the rules and enforcement boundaries for transactions, credit, markets, and rights

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:laws-regulators:firrea` |
| Family | Laws & Regulators |
| Domain | Governance |
| Era | Agentic Age |
| Kind | concept |
| Archetype | The Relation |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

FIRREA is a concept in the Laws & Regulators family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

FIRREA sets the rules and enforcement boundaries for transactions, credit, markets, and rights.

## 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:** FIRREA sets the rules and enforcement boundaries for transactions, credit, markets, and rights
- **Gift:** Clarity about firrea makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When firrea 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 firrea is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

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

## Divination

The Relation enters the reading through FIRREA. 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 FIRREA 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 2.

## Relationships

- **Steering is administered through FIRREA.** Steering is administered through FIRREA through a change in rights, information, cash flow, priority, timing, or physical use.
- **SAFE Act constrains FIRREA.** SAFE Act constrains FIRREA through a change in rights, information, cash flow, priority, timing, or physical use.
- **FIRREA enables Regulation Z.** FIRREA enables Regulation Z through a change in rights, information, cash flow, priority, timing, or physical use.
- **FIRREA depends on Hazard Insurance.** FIRREA depends on Hazard Insurance 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 FIRREA through the lineage of Laws & Regulators: 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 FIRREA: 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, legal variation, regulatory sensitivity. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [12 CFR Part 1024 — Regulation X](https://www.consumerfinance.gov/rules-policy/regulations/1024/) — Consumer Financial Protection Bureau; RESPA, settlement, escrow, servicing, loss mitigation.
- [12 CFR Part 1026 — Regulation Z](https://www.consumerfinance.gov/rules-policy/regulations/1026/) — Consumer Financial Protection Bureau; TILA, APR, mortgage disclosures, servicing, ATR.
- [About Fannie Mae & Freddie Mac](https://www.fhfa.gov/about/fannie-mae-freddie-mac) — Federal Housing Finance Agency; GSE liquidity, stability, affordability, MBS.
- [Dodd-Frank Act Rulemaking: Asset-Backed Securities](https://www.sec.gov/spotlight/dodd-frank/assetbackedsecurities.shtml) — U.S. Securities and Exchange Commission; ABS and RMBS securitization, tranching, disclosure.
