#!/usr/bin/env python3
"""
40.10.2 Financial Services (SOX + Model Risk Management)

Source: Chapter_40_Compliance_and_Standards
Category: compliance
"""

import argparse
import sys

class FinancialModelGovernance:
    """
    Implements SR 11-7 Model Risk Management for AI/ML models
    used in financial decision-making.
    """

    def __init__(self, model_id: str):
        self.model_id = model_id
        self.validation_results = {}

    def validate_model_documentation(self) -> bool:
        """
        SR 11-7 requires:
        - Model purpose and business use
        - Model methodology and limitations
        - Model validation procedures
        - Model monitoring procedures
        """
        required_docs = [
            "model_purpose.md",
            "methodology.md",
            "validation_plan.md",
            "monitoring_plan.md",
            "model_card.json"
        ]
        # Check documentation exists
        return True  # Simplified for example

    def perform_backtesting(self, predictions: List, actuals: List) -> Dict:
        """
        Compare model predictions vs actual outcomes.
        Required for credit scoring, fraud detection models.
        """
        if len(predictions) != len(actuals):
            raise ValueError("Mismatched prediction/actual lengths")

        accuracy = sum(p == a for p, a in zip(predictions, actuals)) / len(predictions)

        return {
            "backtest_period": "Q4 2024",
            "sample_size": len(predictions),
            "accuracy": accuracy,
            "compliant": accuracy >= 0.85  # Threshold per policy
        }

    def adverse_action_notice_check(self, decision: str, explanation: str) -> bool:
        """
        Fair Credit Reporting Act (FCRA) compliance.
        If model denies credit, must provide specific adverse action reasons.
        """
        if decision == "deny":
            # Explanation must be specific, not "AI said no"
            vague_phrases = ["algorithm", "model", "system", "AI"]
            return not any(phrase in explanation.lower() for phrase in vague_phrases)
        return True


def main():
    """Command-line interface."""
    parser = argparse.ArgumentParser(description=__doc__)
    parser.add_argument("--verbose", "-v", action="store_true", help="Verbose output")
    args = parser.parse_args()
    
    # TODO: Add main execution logic
    pass

if __name__ == "__main__":
    main()