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UJU INC

Joins 155 roadside inspections (24 mo), 1 authority docket, BIPD on file (NEW HORIZON INSURANCE COMPANY) from FMCSA public filings. Data as of Oct 19, 2026. Booking triage is above; confirm on SAFER before tendering.

Brokers & shippers · booking check

Book with caution — review signals below

No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.

Caution
Household Goods Broker reinstated · Jan 9, 2014
Policy effective · Jun 19, 2025
Review these
  • No FMCSA cargo filing (BMC-34/83) on file Household-goods movers generally need BMC-34 cargo on file with FMCSA. Soft signal only — confirm on L&I before tendering HHG freight.
  • Household Goods Broker gap · 688 days Inactive Feb 21, 2012 → reinstated Jan 9, 2014
  • OOS rate worse than size peers Driver 0.50% vs peer 0.00% · Vehicle 32.2% vs peer 14.3% Details →
On file
  • 1 active operating authority
  • Insurance on file · $1,000,000 NEW HORIZON INSURANCE COMPANY · 91X Details →
  • BOC-3 process agent on file Evilsizor Process Servers Inc Details →
Built for brokers and shippers deciding whether to tender. Always confirm on FMCSA SAFER and L&I before booking — TruckCodex mirrors public filings and can lag by up to a day. Open full book-check tool
Plain-text risk summary (print / paste)
TruckCodex risk summary — UJU INC (USDOT 1670931)
Verdict: CAUTION
Book with caution — review signals below
No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.

Authority / census status: Active
Active BIPD limit: $1,000,000

Blockers:
  (none)

Cautions:
  • No FMCSA cargo filing (BMC-34/83) on file — Household-goods movers generally need BMC-34 cargo on file with FMCSA. Soft signal only — confirm on L&I before tendering HHG freight.
  • Household Goods Broker gap · 688 days — Inactive Feb 21, 2012 → reinstated Jan 9, 2014
  • OOS rate worse than size peers — Driver 0.50% vs peer 0.00% · Vehicle 32.2% vs peer 14.3%

On file:
  • 1 active operating authority
  • Insurance on file · $1,000,000 — NEW HORIZON INSURANCE COMPANY · 91X
  • BOC-3 process agent on file — Evilsizor Process Servers Inc

Source: https://truckcodex.com/usdot/1670931/
As of: Oct 19, 2026
Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.
USDOT 1670931 Active AUTHORIZED FOR HIRE Company officer: ERIKA VIZCARRA General Freight Household Goods Based in SAN DIEGO, CA

FMCSA census as of Oct 19, 2026 · Sources · Freshness · Methodology · Disclaimer

TruckCodex · filing & peer scorecard

TruckCodex filing & peer scorecard · B

Composite of 4/5 scored components (mean 79/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.

B confidence 80% · 4/5 signals · expand
Authority / census
Active · 100/100

Active census status with no OOS order or revoked authority on file.

Insurance / BIPD
BIPD active · 100/100

Active BIPD/Primary-like policy on file in our insurance history.

OOS vs peers
Riskier than peers · 15/100

Driver OOS 0.5% vs peer median 0% (worse). Vehicle OOS 32.2% vs peer median 14.3% (worse). n=52512 same-size ACTIVE peers.

FMCSA safety rating
Unrated

FMCSA has not assigned this carrier a formal safety rating. We do not invent one.

NR reason: No published FMCSA safety_rating.

Insurance-watch tier
Not on watch · 100/100

No BMC-91 insurance-lapse watch classification on file for this USDOT.

TruckCodex filing & peer scorecard from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not a booking verdict and not legal advice. See methodology. Booking triage on this page: Caution.

Field change history →
Operating authority
common 1 active
Insurance

NEW HORIZON INSURANCE COMPANY · BMC-91X · $1,000,000

1 active liability filing

Company profile

Company details
USDOT 1670931
In FMCSA records since Jul 27, 2007 (~19y)
MC / docket MC614162
Company officer ERIKA VIZCARRA
Operation AUTHORIZED FOR HIRE
Cargo carried
General Freight, Household Goods
Fleet size 18 units
Drivers 18
Annual mileage 133,000 mi
Contact & address
Physical
9375 CUSTOMHOUSE PLAZA # F2
SAN DIEGO, CA 92154
Mailing address matches physical.
Registration & safety rating
USDOT 1670931
In FMCSA records since Jul 27, 2007 (~19y)
Operation AUTHORIZED FOR HIRE
Annual mileage (MCS-150) 133,000 mi
vs. National Average
Vehicle OOS Rate 32.2% vs 23.4% +8.8 pts
Driver OOS Rate 0.5% vs 6.7% -6.2 pts
Violations per Inspection 1.81 vs 1.80 +0.01
Peer tier (mid-sized fleets (11-100 power units)) median OOS rate: 27.6%
Active liability insurance
BMC-91X · $1,000,000 · NHS1694669
Effective Jun 19, 2025
FMCSA cargo filing (BMC-34/83)

No active FMCSA cargo filing on file.

FMCSA L&I filing evidence — not a shipper certificate of insurance (COI). Cargo (BMC-34) is primarily an HHG / household-goods requirement; general freight carriers often have none.

Broker bond / trust (BMC-84/85)

No active broker surety bond or trust fund on file.

BMC-84 is a surety bond; BMC-85 is a trust-fund agreement. Required for property brokers / freight forwarders — not motor-carrier BIPD liability insurance.

Broker setup by MC age
Open MC age checker · Check brokers for this MC age

Based on FMCSA authority grant of 2021-10-20 (1,825 days). Published gates only — not a guarantee they will accept. Confirm with the broker.

Related filings

Fleet details (MCS-150)

Vehicle type Owned Term leased Trip leased
Truck tractors 14 0 4

Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).

Inspections (24 months)

All 275 inspections →
Driver Vehicle Hazmat
Inspections 155 155 0
OOS inspections 1 44 0
OOS percentage 0.65% 28.39% —
National average 6.7% 23.4% 4.4%

Roadside inspections in the last 24 months. National averages are FMCSA MCSAP reference rates (driver ~6.7%, vehicle ~23.4%, hazmat ~4.4%).

Power Units
18
Drivers
18
Inspections
275
FMCSA roadside history on file
OOS Rate (peak)
32.2%
driver or vehicle, whichever higher
Crashes (24m)
0
Authorities
1
1 active

Risk Signals

High OOS rate
Peak OOS rate of 32.2% is well above FMCSA MCSAP national averages (driver ~6.7%, vehicle ~23.4%).
Authority revoked
3 revocations on record.

Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service

Compared against 52,512 ACTIVE carriers operating 9–27 power units (±50% of this carrier's 18 unit fleet).

This carrier — Driver OOS
0.5%
Drivers placed out-of-service at roadside inspections
Peer median
0%
Median across 52,512 same-size peers
Verdict
Riskier than peers
Delta +0.5 pts vs peer median (lower is safer)
This carrier — Vehicle OOS
32.2%
Vehicles placed out-of-service at roadside inspections
Peer median
14.3%
Median across 52,512 same-size peers
Verdict
Riskier than peers
Delta +17.9 pts vs peer median (lower is safer)

Authority gap detected (1)

  • Household Goods Broker authority was inactive from Feb 21, 2012 to Jan 9, 2014 (688 days)
Inspection Analytics Monthly activity · BASIC mix · state map

Monthly Inspection Activity (33 months)

2023-10 2026-10

Violations by BASIC Category

Federal BASIC buckets for every citation issued against this carrier over the past 24 months.

Activity by State

States this carrier has been inspected in over the past 24 months.
State Inspections OOS OOS % Last Inspection
California (CA) 142 42 29.6% Oct 13, 2026
US (US) 13 3 23.1% Nov 14, 2025
Vehicle Fleet Top makes and models observed in roadside inspections
Make Model Inspections
Freightliner 173
Hyundai Translead 63
CIMC 28
Wabash National 28
Peterbilt 27
International 19
Stoughton 12
Volvo 10
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
BASIC Inspections Serious Measure Percentile Alert As Of
Driver Fitness 12 — 0.34 0 — Oct 19, 2026
Controlled Substances / Alcohol 0 — 0.00 0 — Oct 19, 2026
Hours of Service 0 — 0.00 0 — Oct 19, 2026
Unsafe Driving 1 — 0.27 0 — Oct 19, 2026
Vehicle Maintenance 133 — 8.71 9 — Oct 19, 2026

Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.

Recent Inspections (275 rows) View all 275 →
Inspection # Date ▼ State Level Station Vehicle Violations Top Codes OOS
89281371 Oct 13, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
7 393.30-B, 393.201A-FRCLS, 396.5B-HWSL No
89281103 Oct 11, 2026 CA 2 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
2 393.9A-LHLI, 393.45D-B No
88999623 Sep 11, 2026 CA 3 OTAY MESA IF
INTERNATIONAL TRUCK TRACTOR
0 — No
88979355 Sep 10, 2026 CA 3 OTAY MESA IF — 0 — No
88824076 Aug 25, 2026 CA 1 OTAY MESA IF
VOLVO TRUCK TRUCK TRACTOR
4 393.9A-LRLI, 393.60C, 396.17C-PI No
88801539 Aug 24, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
5 393.45B2-BHTD, 393.81-H, 393.95F Yes
88801419 Aug 24, 2026 CA 1 OTAY MESA IF
VOLVO TRUCK TRUCK TRACTOR
1 393.60C No
88677528 Aug 8, 2026 CA 1 OTAY MESA IF
INTERNATIONAL TRUCK TRACTOR
1 392.2-SLLEQP No
87399387 Mar 23, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
7 393.207A-STBW, 393.75C-TAOTD-LT2/32, 396.5B-HWSL Yes
87398356 Mar 20, 2026 CA 1 OTAY MESA IF
Freightliner TRUCK TRACTOR
CA 9G68036 · 3AKJGBDV5GSGY410
2 396.5B-L, 393.203E-CBP No
87399722 Mar 18, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
1 393.9A-LTSI Yes
87277535 Mar 9, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
3 393.43A-TPV, 396.5B-L, 393.95A4-EEUS No
87243808 Mar 7, 2026 CA 1 OTAY MESA IF
PETERBILT TRUCK TRACTOR
0 — No
87244545 Mar 5, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
3 396.5B-L, 392.2-SLLEQP, 393.9A-LIL No
87244326 Mar 5, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
2 393.45B2-B-AIR, 396.3A1-BALAC No
87243278 Mar 5, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
0 — No
87168158 Feb 26, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
1 392.2-SLLEQP No
87156080 Feb 25, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
3 392.2-SLLSR, 393.45D-BAAL, 391.11B2-Z No
87156956 Feb 22, 2026 CA 1 OTAY MESA IF
PETERBILT TRUCK TRACTOR
5 393.207A-SAPPAS, 393.47E, 392.2-SLL Yes
87121112 Feb 17, 2026 CA 2 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
2 393.83D-ELNGPB, 391.11B2-Z No
87120833 Feb 17, 2026 CA 2 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
0 — No
87068975 Feb 12, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
0 — No
86999205 Feb 6, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
0 — No
86908412 Jan 22, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
4 396.5B-L, 393.95A4-EEUS, 393.75C-TAOTD-LT2/32 No
86908065 Jan 21, 2026 CA 1 OTAY MESA IF
FREIGHTLINER TRUCK TRACTOR
6 393.11A1-LSLMWR, 393.95A4-EEUS, 393.48A-BMBCBD Yes
Authority Records (1 docket)
MC Certificate Documents (8 letters, 6 PDFs available)

Authority Records (above) are FMCSA docket status and lifecycle events. MC Certificate Documents here are the archived PDF letters for each action — grants, reinstatements, revocations, name changes, and transfers. They are related but not the same dataset: one row per PDF letter, not one file per docket.

Each row is a distinct FMCSA letter (grant, reinstatement, revocation, name change, transfer, etc.). When a PDF is archived, click the link to open that letter. Rows without a link still show the action type and date from our index. FMCSA stopped publishing new daily certificate PDFs after the May 2026 Motus cutover — rows below are historical archive only.

Some letters share the same legacy archived file path — we show one PDF link for the primary document and list the other actions as metadata (type + date) until per-letter PDFs are re-extracted.

Date Docket Action Authority PDF
Oct 20, 2021 MC614162-C Reinstatement Letter Reinstatement Reinstatement Letter →
Oct 18, 2021 MC614162-B Voluntary Revocation Revocation Voluntary Revocation →
Oct 14, 2021 MC614162-C Voluntary Revocation Revocation Voluntary Revocation →
Jan 9, 2014 MC614162-B Reinstatement Letter Reinstatement Metadata only
May 16, 2008 MC614162-B Original MC Certificate Revocation Original MC Certificate →
Apr 30, 2008 MC84-B Grant Decision Notice Permit Grant Decision Notice →
Apr 30, 2008 MC614162 Daily Register Certificate Daily Register →
Sep 6, 2007 MC614162-C Original MC Certificate Revocation Metadata only
Insurance Coverage Timeline (40 rows)

Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.

Insurer Policy # Type Limit Effective Cancel Status
NEW HORIZON INSURANCE COMPANY NHS1694669 91X $1,000,000 Jun 19, 2025 On file ACTIVE
NEW HORIZON INSURANCE COMPANY NHS1406226 BIPD/Primary — Jun 19, 2024 Jun 19, 2025 CANCELLED
NEW HORIZON INSURANCE COMPANY NHS1132782 BIPD/Primary — Jun 19, 2023 Jun 19, 2024 CANCELLED
TRISURA SPECIALTY INSURANCE COMPANY TTT-79-1-223032 BIPD/Primary — Jun 19, 2022 Jun 19, 2023 CANCELLED
NATIONAL UNITY INSURANCE COMPANY CMC-3245394 BIPD/Primary — Jun 19, 2021 Nov 3, 2021 CANCELLED
NATIONAL UNITY INSURANCE COMPANY CMC-3245394 BIPD/Primary — Jun 19, 2021 Jun 19, 2022 CANCELLED
NATIONAL UNITY INSURANCE COMPANY CMC-3245394 BIPD/Primary — Jun 19, 2021 Jun 19, 2021 REPLACED
NATIONAL UNITY INSURANCE COMPANY CMC-3245394 BIPD/Primary — Jun 4, 2021 Jun 19, 2021 REPLACED
NATIONAL UNITY INSURANCE COMPANY CMC-3242454 BIPD/Primary — Jun 19, 2020 Jun 4, 2021 REPLACED
NATIONAL UNITY INSURANCE COMPANY CMC-3242454 BIPD/Primary — Jun 19, 2020 Jun 19, 2021 CANCELLED
NATIONAL UNITY INSURANCE COMPANY CMC-3239832 BIPD/Primary — Jun 19, 2019 Jun 19, 2020 CANCELLED
NATIONAL UNITY INSURANCE COMPANY CMC-3237049 BIPD/Primary — Jun 19, 2018 Jun 19, 2019 CANCELLED
UNITED SPECIALTY INSURANCE COMPANY MTX-LCIR01-1700386 BIPD/Primary — Jun 19, 2017 Jun 19, 2018 CANCELLED
NATIONAL UNITY INSURANCE COMPANY CXW-3230944 BIPD/Primary — Nov 14, 2016 Jun 19, 2017 CANCELLED
UNITED SPECIALTY INSURANCE COMPANY MAT-0001400-10152 BIPD/Primary — Feb 4, 2016 Dec 3, 2016 CANCELLED
UNITED SPECIALTY INSURANCE COMPANY MAT-0001400-10152 BIPD/Primary — Feb 4, 2016 Nov 14, 2016 REPLACED
UNITED SPECIALTY INSURANCE COMPANY MAT-0001400-10152 BIPD/Primary — Jun 19, 2015 Feb 4, 2016 CANCELLED
COMMERCIAL ALLIANCE INSURANCE COMPANY 300029 BIPD/Primary — Jun 19, 2014 Jun 19, 2014 REPLACED
COMMERCIAL ALLIANCE INSURANCE COMPANY 299726 BIPD/Primary — Jun 19, 2014 Jun 19, 2014 REPLACED
COMMERCIAL ALLIANCE INSURANCE COMPANY 300029 BIPD/Primary — Jun 19, 2014 Jun 19, 2015 CANCELLED
PACIFIC FINANCIAL ASSOCIATION, INC. NONE TRUST FUND — Jan 8, 2014 Feb 16, 2022 CANCELLED
ACCIDENT INSURANCE COMPANY, INC. MAC-0001100-12-1423 BIPD/Primary — Jun 19, 2013 Jun 19, 2014 REPLACED
MONTEREY INSURANCE COMPANY 6SIA3-547046 CARGO — Aug 29, 2012 Aug 29, 2013 CANCELLED
MONTEREY INSURANCE COMPANY 6SAA3-547115 BIPD/Primary — Aug 29, 2012 Jun 19, 2013 REPLACED
MONTEREY INSURANCE COMPANY 6SIA3-547046 CARGO — Aug 29, 2011 Aug 29, 2012 CANCELLED
Compliance Timeline Merged authority / insurance / enforcement events
  1. Jun 19, 2025
    insurance
    CANCEL — NEW HORIZON INSURANCE COMPANY
  2. Jun 9, 2025
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  3. Jun 19, 2024
    insurance
    CANCEL — NEW HORIZON INSURANCE COMPANY
  4. Jun 11, 2024
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  5. Jun 19, 2023
    insurance
    CANCEL — TRISURA SPECIALTY INSURANCE COMPANY
  6. Jun 9, 2023
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  7. Jun 19, 2022
    insurance
    CANCEL — NATIONAL UNITY INSURANCE COMPANY
  8. Jun 16, 2022
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  9. Feb 16, 2022
    insurance
    CANCEL — PACIFIC FINANCIAL ASSOCIATION, INC.
  10. Nov 3, 2021
    insurance
    TERM/CANCL — NATIONAL UNITY INSURANCE COMPANY
  11. Oct 20, 2021
    authority
    REINSTATED — ENTERPRISE
    Details →
  12. Oct 18, 2021
    authority
    REVOKED — HOUSEHOLD GOODS BROKER
    Details →
  13. Oct 14, 2021
    authority
    REVOKED — ENTERPRISE
    Details →
  14. Jun 19, 2021
    insurance
    TERM/REPL — NATIONAL UNITY INSURANCE COMPANY
  15. Jun 19, 2021
    insurance
    TERM/CANCL — NATIONAL UNITY INSURANCE COMPANY
  16. Jun 8, 2021
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  17. Jun 4, 2021
    insurance
    TERM/REPL — NATIONAL UNITY INSURANCE COMPANY
  18. Jun 19, 2020
    insurance
    CANCEL — NATIONAL UNITY INSURANCE COMPANY
  19. Jun 19, 2019
    insurance
    CANCEL — NATIONAL UNITY INSURANCE COMPANY
  20. Jun 10, 2019
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  21. Jun 19, 2018
    insurance
    CANCEL — UNITED SPECIALTY INSURANCE COMPANY
  22. Jun 4, 2018
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  23. Jun 19, 2017
    insurance
    CANCEL — NATIONAL UNITY INSURANCE COMPANY
  24. Jun 1, 2017
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  25. Dec 3, 2016
    insurance
    TERM/CANCL — UNITED SPECIALTY INSURANCE COMPANY
  26. Nov 15, 2016
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  27. Nov 14, 2016
    insurance
    TERM/REPL — UNITED SPECIALTY INSURANCE COMPANY
  28. Feb 4, 2016
    insurance
    CANCEL — UNITED SPECIALTY INSURANCE COMPANY
  29. Jan 21, 2016
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  30. Jun 19, 2015
    insurance
    CANCEL — COMMERCIAL ALLIANCE INSURANCE COMPANY
  31. Jun 8, 2015
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  32. Jun 19, 2014
    insurance
    TERM/REPL — COMMERCIAL ALLIANCE INSURANCE COMPANY
  33. Jun 19, 2014
    insurance
    TERM/REPL — COMMERCIAL ALLIANCE INSURANCE COMPANY
  34. Jun 19, 2014
    insurance
    TERM/REPL — ACCIDENT INSURANCE COMPANY, INC.
  35. Aug 29, 2013
    insurance
    CANCEL — MONTEREY INSURANCE COMPANY
  36. Jun 19, 2013
    insurance
    TERM/REPL — MONTEREY INSURANCE COMPANY
  37. Aug 29, 2012
    authority
    DISCONTINUED REVOCATION — COMMON
    Details →
  38. Aug 29, 2012
    insurance
    CANCEL — MONTEREY INSURANCE COMPANY
  39. Aug 29, 2012
    insurance
    CANCEL — MONTEREY INSURANCE COMPANY
  40. Feb 21, 2012
    authority
    REVOKED — HOUSEHOLD GOODS BROKER
    Details →
Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for

Most-Inspected Stations

Top Violation Codes Cited

Code Description Category Cited OOS
393.9(a) Inoperable required lamps Vehicle Maintenance 36 15
392.2 Violation of Local Laws Unsafe Driving 28 1
396.3(a)(1) Inspection, repair and maintenance of parts and accessories Vehicle Maintenance 25 7
393.47(e) Brake Out of Adjustment - Roto, Clamp (Short & Long), DD-3, or Bolt Vehicle Maintenance 22 0
393.45(b)(2) Brake hose or tubing chafing and/or kinking Vehicle Maintenance 11 2
396.5(b) Oil and/or grease leak Vehicle Maintenance 11 0
393.43 No/improper breakaway or emergency braking Vehicle Maintenance 7 0
393.75(a)(3) Tire-flat and/or audible air leak Vehicle Maintenance 7 7
393.60(c) Windshield - Damaged or Discolored Vehicle Maintenance 6 0
393.75(c) Tire-other tread depth less than 2/32 of inch measured in a major tread groove Vehicle Maintenance 6 0

Booking & risk tools

Open dedicated checkers pre-filled with this USDOT — same public filings as the triage card above.

Related Records

All cross-references Authority, BOC-3, risk tools, explainers, and more
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