Weekly civic intelligence report · v2.2
Trump proposed a 50-year mortgage program as a housing policy initiative. This represents a significant proposed change to mortgage lending practices.
This is a policy proposal without implementation, legislative text, or executive action. A-score is 0 because there is no actual constitutional mechanism engaged - it's merely a suggestion/idea floated. The mechanism_modifier of 0.3 reflects 'proposal_only' status with no concrete action. B-score of 22.88 reflects moderate hype: high novelty (50-year mortgages are unusual), good meme potential ('debt for life'), moderate media coverage of unusual policy ideas. However, this falls clearly into Noise category: A<25, no actual mechanism of constitutional damage (just talk), and multiple noise indicators present. This is a trial balloon/attention item without substantive constitutional impact until/unless actual policy machinery engages.
Monitor for: (1) actual legislative proposal with bill text, (2) executive order or regulatory action, (3) HUD/FHFA implementation steps. Until concrete action occurs, this remains speculative noise. Constitutional concerns would only emerge if implementation bypassed normal regulatory processes or created predatory lending frameworks without consumer protections.