Compliance Latency Framework (CLF) v1.2: The First Formal Definition of Compliance as a Verifiable State
Year: 2026
Type: article
Abstract: The Compliance Logic Framework (CLF v1.2) introduces a unified, identity-based approach to regulatory compliance, redefining compliance as a persistent, programmable, and multi-dimensional construct rather than a fragmented, institution-specific verification process. Traditional compliance systems operate through repeated, siloed checks across institutions, resulting in inefficiencies, opacity, and exclusion, particularly for individuals with non-standard financial or identity profiles. The CLF addresses this limitation by establishing compliance as an interpretable identity layer that is portable, context-aware, and capable of being evaluated across multiple domains. The framework is composed of three core components: the Compliance Identity Structure (CIS), which defines the multi-dimensional composition of compliance identity; the Compliance Logic Framework (CLF), which governs how compliance is interpreted across institutional contexts; and the Compliance Readiness Engine (CRE), which enables predictive, forward-looking assessment of compliance status. Together, these components form the foundation for the Adaptive Compliance Operating System – Risk as a Service (ACOS-RAAS), enabling institutions to transition from reactive verification models to proactive compliance intelligence systems. The framework supports explainable risk assessment, trust portability, and cross-domain interoperability across finance, employment, housing, licensing, and regulatory ecosystems. This work establishes compliance as an infrastructure layer within digital systems and presents an original contribution toward the development of programmable, identity-centric regulatory architectures.
Author: Egbedayo, Oyelokiki George
Language: English
Subfield: Strategy and Management
Domain: Social Sciences
Open Access status: green
OpenAlex ID: W7150911981
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