name: financial-actions-standing
version: 0.1.0
doctrinal_basis: >-
  CJCSI 3121.01B standing-vs-special ROE; proportionality and PID principles
  adapted for agent-executed financial actions.
description: Standing controls for refunds, credits, transfers, and billing mutations.
rules:
  - id: deny-financial-default
    applies_to:
      action_class:
        - financial.transfer
        - financial.refund
        - financial.billing.update
    decision: deny
    reasoning: >-
      Financial action ${action_class} is not authorized by standing policy.
      Require an operator-approved pathway first.

  - id: escalate-refund-approved-ticket
    applies_to:
      action_class: financial.refund
    decision: escalate
    escalation:
      requires: human_approval
      via: finance-ops
    reasoning: >-
      Refund request for order ${order_id} must be approved by a human before execution.

  - id: escalate-high-value-financial-change
    applies_to:
      action_class:
        - financial.transfer
        - financial.refund
    conditions:
      - type: blast_radius_max
        parameter: amount_usd
        threshold: 500
    decision: escalate
    escalation:
      requires: both
      via: finance-ops
    reasoning: >-
      Requested amount ${amount_usd} exceeds standing threshold for autonomous action.