Update README.md

README.md

@@ -30,6 +30,11 @@ baselines, lives in the code repository:
 
 ➡️ **Code & full benchmark: https://github.com/CrillyPienaah/canfraudbench**
 
+
+> **Core finding:** The reference baseline scores AUC 0.969 and is classified **BLOCKED** 
+> under OSFI E-23 governance criteria — its Adverse Impact Ratio (0.59) breaches the 
+> four-fifths fairness rule. Discrimination without governance is not a passing model.
+
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 ## Why this exists
@@ -53,6 +58,17 @@ calibration, stability/drift, fairness, explainability). A submission produces a
 
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+## Reference Baseline Evidence Pack
+
+| E-23 Dimension | Metric | Score | Status |
+|----------------|--------|-------|--------|
+| Discrimination | AUC | 0.969 | ✅ PASS |
+| Calibration | Brier Score | 0.048 | ✅ PASS |
+| Fairness | AIR (four-fifths rule) | 0.59 | ❌ FAIL |
+| Stability | PSI (holdout) | 0.031 | ✅ PASS |
+| Explainability | Top-3 SHAP features documented | Yes | ✅ PASS |
+| **Overall E-23 Status** | | | **🚫 BLOCKED** |
+
 ## What's in this dataset
 
 A reproducible, **fully synthetic** set of Canadian onboarding applications.