Shared federal reference plugin: canonical FDCPA / FCRA / TILA / ECOA / Reg B-Z + RESPA / SCRA / FHA / FTC Telemarketing Sales Rule, the Title 11 Bankruptcy Code, the model UCC, and the Americans with Disabilities Act with its DOJ/EEOC implementing regulations (42 U.S.C. ch. 126; 29 CFR 1630; 28 CFR 35/36 incl. the 2010 ADA Standards) — a dependency of every state plugin, dereferenced from in-tree symlinks at install time; plus a nationwide FCRA consumer credit-report-rights skills layer and an ADA self-help skill (ada-rights), two bundled free MCP servers (CourtListener + Legal Data Hunter), and a case-law-research skill that routes the agent to them for on-demand case-law lookup. Full detail in the plugin README.