From c9231c2685c5e8fc05f9ce60da40f5ab7f409d8c Mon Sep 17 00:00:00 2001
From: Jarca <genichin@users.noreply.github.com>
Date: Wed, 8 Jul 2026 11:34:37 +0900
Subject: [PATCH] docs: confirm import provenance req and batch

---
 .../design.md                                 |  49 ++++++
 .../implementation.md                         |  16 ++
 .../index.md                                  |  35 ++++
 .../planning.md                               |  57 ++++++
 .../verification.md                           |  18 ++
 docs/batches/index.md                         |   2 +
 ...import-provenance-sensitive-data-policy.md | 100 ++++++++---
 docs/discovery/index.md                       |   2 +-
 ...import-provenance-sensitive-data-policy.md | 162 ++++++++++++++++++
 docs/srs/index.md                             |   5 +-
 10 files changed, 421 insertions(+), 25 deletions(-)
 create mode 100644 docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/design.md
 create mode 100644 docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/implementation.md
 create mode 100644 docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/index.md
 create mode 100644 docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/planning.md
 create mode 100644 docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/verification.md
 create mode 100644 docs/srs/Data/req-021_import-provenance-sensitive-data-policy.md

diff --git a/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/design.md b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/design.md
new file mode 100644
index 0000000..5992daf
--- /dev/null
+++ b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/design.md
@@ -0,0 +1,49 @@
+# BAT-017 Design: Import provenance and sensitive-data policy
+
+- Status: draft
+- Created At (KST): 2026-07-08 11:33 KST
+- Included REQ: REQ-021
+
+## Design Direction
+
+Introduce a narrow provenance/sanitization layer used by import services and response adapters rather than scattering per-source masking rules across UI/MCP code.
+
+## Proposed Components
+
+- `provenance` helper functions under application/import boundary or a small shared module:
+  - `mask_source_filename(path_or_name)`
+  - `build_source_identity(source, file_path, source_hash, parser_name, parser_version)`
+  - `minimize_raw_payload(source, payload)`
+  - `sanitize_provenance_for_exposure(payload, level)`
+- Source-specific allowlists:
+  - KB Bank PDF: date/time, amount, direction, masked account hint, page/row reference, validation keys.
+  - Toss Bank PDF: action category, normalized counterparty, masked account hint, page/row reference, validation keys.
+  - Toss Securities PDF: section/action/code, normalized security/counterparty summary, numeric audit fields when required.
+  - SeoulPay XLSX: sheet name, row reference, payment kind/category summary, minimized merchant/transaction reference.
+  - CSV: explicit preview/import allowlist and sensitive-column suppression.
+
+## Storage Policy
+
+- Do not persist full local source paths.
+- Store masked basename and source hash for operator correlation.
+- Keep `source_hash` stable for dedupe/audit.
+- `raw_payload` stores only minimized allowlisted fields; forbidden fields are removed/masked.
+- Existing rows are not destructively rewritten by this batch.
+
+## Interface Policy
+
+- Default MCP responses use `minimal` exposure.
+- Operator summary may include masked filename, parser identity, row/page/sheet reference, validation summary.
+- Debug diagnostics require explicit gate and still exclude passwords/tokens/secrets/full path/raw document dump.
+
+## Test Strategy
+
+- Use synthetic fixtures only.
+- Include negative assertions for forbidden keys and full path patterns.
+- Verify duplicate/rollback metadata remains usable after minimization.
+
+## Open Design Checks Before Implementation
+
+- Decide whether provenance helpers live in `application/imports_service.py` initially or a new module.
+- Confirm whether schema version bump is required or policy can be implemented through current columns plus memo JSON shape.
+- Confirm MCP contract change is additive and does not break existing consumers.
diff --git a/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/implementation.md b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/implementation.md
new file mode 100644
index 0000000..045fa64
--- /dev/null
+++ b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/implementation.md
@@ -0,0 +1,16 @@
+# BAT-017 Implementation Evidence
+
+- Status: not-started
+- Created At (KST): 2026-07-08 11:33 KST
+
+## Implementation Summary
+
+Pending.
+
+## Changed Files
+
+Pending.
+
+## Notes
+
+Implementation must not use Kanban unless the user explicitly re-allows it.
diff --git a/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/index.md b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/index.md
new file mode 100644
index 0000000..315540c
--- /dev/null
+++ b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/index.md
@@ -0,0 +1,35 @@
+# BAT-017: Import provenance and sensitive-data policy
+
+- Profile: standard
+- Status: draft
+- Included REQ: REQ-021
+- Source Discovery: dcy-014
+- Created At (KST): 2026-07-08 11:33 KST
+
+## Objective
+Deliver the approved REQ-021 scope for normalized import provenance, `raw_payload=minimize`, masked filename + source hash, MCP provenance exposure levels, finance-agent privacy boundary, destructive migration guardrails, and baseline documentation.
+
+## Included Scope
+- Source-specific provenance envelope for KB Bank PDF, Toss Bank PDF, Toss Securities PDF, SeoulPay XLSX, and CSV preview/import surfaces.
+- `transactions.raw_payload` minimize policy using explicit allowlists and forbidden-field filtering.
+- `import_batches.filename` policy change away from full paths toward masked basename + source hash.
+- MCP/Streamlit provenance exposure levels: default `minimal`, operator `operator-summary`, debug `debug-gated`.
+- Sensitive-field tests/static checks for raw payload, full paths, password/token/secret, raw document text, and arbitrary CSV column leakage.
+- Baseline updates in `docs/data-model.md`, `docs/project-structure.md`, and `docs/runtime-flows.md`.
+
+## Excluded Scope
+- Existing operating DB sanitization migration; tracked separately in GitHub Project 4 Todo `기존 운영 DB import evidence sanitization preview 및 정리`.
+- External legal/security audit.
+- Original source document vault/encryption system.
+- Public API auth/TLS design.
+- Kanban-based delivery execution.
+
+## Documents
+- [planning.md](planning.md)
+- [design.md](design.md)
+- [implementation.md](implementation.md)
+- [verification.md](verification.md)
+
+## Delivery Notes
+- User explicitly prohibited Kanban; delivery execution must use direct branch/PR or a dedicated non-Kanban worktree if delegated.
+- Implementation should be sliced to avoid the previous BAT-016 large-card failure pattern: provenance helpers first, source adapters second, MCP/Streamlit exposure third, tests/docs last.
diff --git a/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/planning.md b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/planning.md
new file mode 100644
index 0000000..cd70181
--- /dev/null
+++ b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/planning.md
@@ -0,0 +1,57 @@
+# BAT-017 Planning: Import provenance and sensitive-data policy
+
+- Status: draft
+- Created At (KST): 2026-07-08 11:33 KST
+- Included REQ: REQ-021
+
+## Planning Summary
+
+BAT-017 is a standard batch because REQ-021 affects data persistence policy, import adapters, MCP/Streamlit response contracts, tests, and baseline documentation.
+
+## Work Slices
+
+1. Define provenance policy helpers
+   - masked basename helper
+   - source hash propagation helper
+   - raw payload minimization/filter helper
+   - exposure-level sanitizer for `minimal`, `operator-summary`, `debug-gated`
+2. Apply policy to import write paths
+   - KB Bank PDF
+   - Toss Bank PDF
+   - Toss Securities PDF
+   - SeoulPay XLSX
+   - CSV preview/import boundary
+3. Apply policy to read/response surfaces
+   - import batch listing
+   - preview responses
+   - MCP tool contracts/default output
+   - Streamlit/operator summary where applicable
+4. Add regression checks
+   - source-specific import tests
+   - forbidden-field filtering tests
+   - default MCP response privacy checks
+   - fixture/log/static scan checks
+5. Update baseline documents
+   - `docs/data-model.md`
+   - `docs/project-structure.md`
+   - `docs/runtime-flows.md`
+
+## Design Gate
+
+Design is required. The batch changes persistence semantics and interface response boundaries, so `design.md` must be completed before implementation.
+
+## Risks
+
+- Over-sanitizing may weaken duplicate/rollback/audit traceability.
+- Under-sanitizing may leak file paths, raw financial evidence, or arbitrary CSV columns.
+- Existing operating DB rows may contain legacy data; this batch must avoid destructive cleanup and keep the follow-up Todo separate.
+
+## Verification Plan
+
+- `python -m ruff check .`
+- source-specific pytest for import provenance behavior
+- full `python -m pytest -q`
+- MCP contract/default privacy checks
+- dashboard/AppTest/HTTP smoke if affected
+- DB safety smoke if schema/migration changes are included
+- StagePilot doctor with current-batch findings separated from pre-existing debt
diff --git a/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/verification.md b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/verification.md
new file mode 100644
index 0000000..2fb7529
--- /dev/null
+++ b/docs/batches/bat-017_20260708_import-provenance-sensitive-data-policy/verification.md
@@ -0,0 +1,18 @@
+# BAT-017 Verification Evidence
+
+- Status: not-started
+- Created At (KST): 2026-07-08 11:33 KST
+
+## Verification Commands
+
+Pending.
+
+## Expected Gates
+
+- `python -m ruff check .`
+- `python -m pytest -q`
+- source-specific import provenance tests
+- MCP privacy/default exposure tests
+- fixture/log sensitive-field scan
+- affected dashboard smoke, if applicable
+- StagePilot doctor with pre-existing debt separated from BAT-017 findings
diff --git a/docs/batches/index.md b/docs/batches/index.md
index d8ec54c..51df852 100644
--- a/docs/batches/index.md
+++ b/docs/batches/index.md
@@ -24,5 +24,7 @@
 | BAT-014 | standard | release-candidate | REQ-018 | dcy-011 | [bat-014_20260703_adapter-surface-narrowing-baseline-refresh](bat-014_20260703_adapter-surface-narrowing-baseline-refresh/) |
 | BAT-015 | standard | release-candidate | REQ-019 | dcy-013 | [bat-015_20260707_docker-network-mcp-deployment](bat-015_20260707_docker-network-mcp-deployment/) |
 | BAT-016 | standard | release-candidate | REQ-020 | dcy-012 | [bat-016_20260708_review-decision-reconciliation-workbench](bat-016_20260708_review-decision-reconciliation-workbench/) |
+| BAT-017 | standard | draft | REQ-021 | dcy-014 | [bat-017_20260708_import-provenance-sensitive-data-policy](bat-017_20260708_import-provenance-sensitive-data-policy/) |
 
 - 2026-07-08 07:11 KST: BAT-016을 local verification 통과 근거로 release-candidate 상태로 전환했다. Kanban은 사용자 명시 지시로 사용하지 않았다.
+- 2026-07-08 11:33 KST: BAT-017을 REQ-021 delivery batch로 draft 생성했다. Kanban은 사용자 명시 지시로 사용하지 않는다.
diff --git a/docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md b/docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md
index 576db1f..c1d005b 100644
--- a/docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md
+++ b/docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md
@@ -1,14 +1,14 @@
 # 0. 문서 상태
 이 문서의 현재 상태와 식별 정보를 기록한다. 문서 추적과 승인 흐름에 필요한 최소 메타데이터를 적는다.
 
-- 상태: draft
+- 상태: confirmed
 - 문서 ID: dcy-014_20260708_import-provenance-sensitive-data-policy
 - 이슈명: Import provenance 및 민감자료 저장 정책 정리
 - 작성 시각(KST): 2026-07-08 10:48 KST
-- 마지막 갱신 시각(KST): 2026-07-08 10:48 KST
+- 마지막 갱신 시각(KST): 2026-07-08 11:26 KST
 - 대체됨: 없음
 - 후속 Discovery 참조: 없음
-- 생성된 REQ 참조: 없음
+- 생성된 REQ 참조: `REQ-021`
 
 # 1. 계획 상태 요약
 
@@ -92,6 +92,64 @@
 - NFR-3 (backward compatibility): 기존 운영 DB의 import rows는 additive migration 또는 compatibility adapter로 읽을 수 있어야 하며, destructive rewrite는 별도 승인 없이는 금지한다.
 - NFR-4 (test safety): CI/AppTest/HTTP smoke fixtures는 synthetic/temp DB만 사용하고 실제 원본 파일명·계좌 식별자·raw payload를 포함하지 않아야 한다.
 
+## 정책 결정 결과
+
+### raw_payload `minimize`의 의미
+
+`minimize`는 raw evidence를 전부 삭제한다는 뜻이 아니라, **원본 문서/row 덤프를 저장하지 않고 재현성에 필요한 정규화된 최소 provenance만 저장**한다는 뜻이다.
+
+- 저장 허용:
+	- source kind: `kb_bank_pdf`, `toss_bank_pdf`, `toss_securities_pdf`, `seoulpay_xlsx`, `csv_generic`
+	- parser name/version 또는 parser identity
+	- `source_hash`와 필요 시 짧은 prefix
+	- import batch id
+	- source row/page/sheet reference: page number, sheet name, row index, section/action code 등 원본 위치를 좁힐 수 있는 값
+	- normalized transaction evidence: date/time, amount, direction/type, masked account hint, normalized merchant/counterparty, validation summary
+	- duplicate/rollback에 필요한 `external_id`, `dedupe_key`, validation result, parsed row count
+- 저장 금지:
+	- password, token, secret
+	- 전체 파일 경로
+	- 원본 PDF text 전체
+	- XLSX/CSV row 전체 dump
+	- 계좌번호/카드번호 원문
+	- 불필요한 raw payload 전체 JSON
+- source별 예외:
+	- source별 parser가 audit에 꼭 필요한 작은 필드를 갖는 경우 REQ-021에서 allowlist로 명시한다.
+	- allowlist 밖 key는 기본 저장하지 않거나 masking한다.
+
+### filename/path 정책
+
+- `import_batches.filename`에는 전체 path를 저장하지 않는다.
+- 운영자 표시에는 `masked-basename`을 사용하고, 실제 동일성/추적성은 `source_hash`로 판정한다.
+- 예: `/volume1/private/국민은행_고진환_2026년06월.pdf` → `국민은행_***_2026년06월.pdf` + `source_hash`.
+
+### MCP provenance 노출 정책
+
+- `minimal`: agent 기본값. `source`, `import_batch_id`, `external_id`, `dedupe_key`, `source_hash_prefix` 정도만 제공한다.
+- `operator-summary`: 운영자 화면/도구용. masked filename, parser identity, row/page/sheet reference, validation summary를 포함할 수 있다.
+- `debug-gated`: 명시 debug gate가 있을 때만 parser diagnostics를 제공한다. raw 원문·password·전체 path는 여전히 제외한다.
+
+### 기존 운영 DB sanitization 분리
+
+- 기존 운영 DB의 raw payload/file path 정리는 REQ-021에 섞지 않는다.
+- 별도 GitHub Project Todo `기존 운영 DB import evidence sanitization preview 및 정리`로 분리했다.
+- 해당 후속 작업은 scan → preview report → backup → explicit approval → narrow migration → verification 순서로만 진행한다.
+
+### finance agent privacy boundary 및 destructive migration 원칙
+
+- finance agent는 raw financial evidence를 소비하지 않고 normalized provenance metadata만 소비한다.
+- destructive migration은 preview/backup/명시 승인 없이는 금지한다.
+
+### 코드 기준 import source matrix
+
+| Source | 현재 코드 기준 저장/응답 항목 | 민감 위험 | REQ-021 권고 저장/노출 |
+|---|---|---|---|
+| KB Bank PDF | `source_hash`, `page_count`, `metadata`, `validation`, `parsed_row_count`, `parsed["file_path"]`, `transactions.raw_payload`, `raw_summary`, `branch`, `balance_after`, `external_id`, `dedupe_key` | file path, holder/account metadata, PDF-derived raw payload, branch/balance detail | masked filename + source_hash, page/row reference, parser identity, validation summary, minimized payload allowlist |
+| Toss Bank PDF | `source_hash`, `page_count`, `metadata`, `validation`, `parsed_row_count`, `parsed["file_path"]`, action/counterparty/balance/raw_summary/raw_payload, `external_id`, `dedupe_key` | file path, account masked metadata, counterparty/action raw text, balance detail | masked filename + source_hash, action category, row/page reference, normalized counterparty, minimized payload allowlist |
+| Toss Securities PDF | `source_hash`, `page_count`, `metadata`, `validation`, `parsed_row_count`, `parsed["file_path"]`, section/action/code/name/quantity/unit_price/fee/tax/balance/raw_payload | securities detail and counterparty/security raw text, file path, account metadata | masked filename + source_hash, section/action/code where needed, normalized security/counterparty summary, numeric details only when audit-required |
+| SeoulPay XLSX | `source_hash`, `sheet_name`, `metadata`, `validation`, `parsed_row_count`, `parsed["file_path"]`, transaction kind/payment kind/no/merchant id/channel/raw_payload | XLSX file path, merchant id, transaction no, raw row payload | masked filename + source_hash, sheet name, row index/reference, payment kind/category summary, minimized merchant/transaction reference |
+| CSV preview | `filename=str(path)`, raw preview rows from `csv.DictReader` | arbitrary user columns may include sensitive data; preview currently can echo raw CSV rows | preview output should mask/limit columns by allowlist; import policy should require source profile and sensitive-column filtering |
+
 ## 범위 경계
 
 - In Scope
@@ -126,13 +184,13 @@
 
 ## 오픈 질문
 - Q-1: `transactions.raw_payload`의 장기 정책은 source별 유지/축소/마스킹/미저장 중 무엇이어야 하는가?
-	- 상태: Open
+	- 상태: Answered — 기본 정책은 `minimize`다. raw 원문 전체를 저장하지 않고, rollback/dedupe/audit에 필요한 normalized 최소 필드만 보존한다.
 - Q-2: `import_batches.filename`은 전체 경로, basename, masked basename, hash 중 무엇을 저장해야 하는가?
-	- 상태: Open
+	- 상태: Answered — `masked-basename + source_hash`를 사용한다. 전체 경로는 저장하지 않는다.
 - Q-3: MCP default response에서 provenance detail을 어느 수준까지 노출할 것인가?
-	- 상태: Open
+	- 상태: Answered — 기본은 `minimal`, 운영자용은 `operator-summary`, debug 상세는 별도 gate로 분리한다.
 - Q-4: 기존 운영 DB에 이미 저장된 raw payload/file path를 정리하는 migration을 이번 범위에 포함할 것인가, 별도 follow-up으로 둘 것인가?
-	- 상태: Open
+	- 상태: Answered — 이번 REQ에서는 정책/신규 동작을 정의하고, 기존 운영 DB sanitization은 별도 GitHub Project Todo/후속 SDLC로 분리한다.
 
 # 7. 초기 성공 기준
 
@@ -152,10 +210,10 @@
 
 # 8. REQ로 넘기기 전 확인 체크
 
-- [ ] source별 raw evidence 보존 정책 결정
-- [ ] filename/path 저장 정책 결정
-- [ ] MCP default/debug/operator response boundary 결정
-- [ ] 기존 운영 DB sanitization을 이번 delivery에 포함할지 결정
+- [x] source별 raw evidence 보존 정책 결정 — `raw_payload=minimize`
+- [x] filename/path 저장 정책 결정 — `masked-basename + source_hash`
+- [x] MCP default/debug/operator response boundary 결정 — `minimal`/`operator-summary`/`debug-gated`
+- [x] 기존 운영 DB sanitization을 이번 delivery에 포함할지 결정 — 별도 GitHub Project Todo로 분리
 - [x] 관련 현재 코드와 baseline 문서 확인
 - [x] baseline 문서 갱신 필요성 식별
 
@@ -179,17 +237,13 @@
 # 10. 사용자 결정 필요 항목 요약
 
 ## DECIDE
-- `{{DECIDE_RAW_PAYLOAD_POLICY}}`: source별 `transactions.raw_payload` 보존 정책을 `retain|minimize|mask|do-not-store` 중 선택한다.
-- `{{DECIDE_FILENAME_PATH_POLICY}}`: `import_batches.filename` 저장 정책을 `full-path|basename|masked-basename|hash-only` 중 선택한다.
-- `{{DECIDE_MCP_PROVENANCE_EXPOSURE}}`: MCP default response의 provenance 노출 수준을 `minimal|operator-summary|debug-gated` 중 선택한다.
-- `{{DECIDE_EXISTING_DB_SANITIZATION_SCOPE}}`: 기존 운영 DB에 저장된 raw payload/file path 정리를 이번 REQ에 포함할지, 별도 후속 Discovery/REQ로 분리할지 선택한다.
+- 없음 — 사용자 결정 반영 완료.
 
 ## CONFIRM
-- `{{CONFIRM_AGENT_PRIVACY_BOUNDARY}}`: finance agent가 raw financial evidence 없이 normalized provenance metadata만 소비한다는 원칙을 확인한다.
-- `{{CONFIRM_NO_DESTRUCTIVE_MIGRATION_WITHOUT_APPROVAL}}`: 기존 import evidence 정리는 additive/preview-first로 설계하고 destructive rewrite는 별도 사용자 승인 없이는 금지한다.
+- 없음 — finance agent privacy boundary 및 destructive migration 금지 원칙 확인 완료.
 
 ## DATA
-- `{{DATA_IMPORT_SOURCE_MATRIX}}`: 현재 지원 source별로 저장 중인 raw evidence, metadata, parser output 목록을 REQ 작성 시 코드 기준으로 확정한다.
+- 없음 — import source matrix를 코드 기준으로 작성 완료.
 
 # 11. Discovery Freeze
 
@@ -199,8 +253,8 @@
 - 성공 기준: [# 7. 초기 성공 기준](#7-초기-성공-기준)
 
 ## Freeze 플래그
-- Handoff Decision: 보류
-- Handoff Rationale: 초기 Discovery 초안 생성 완료. REQ-021 초안 작성 전 raw payload, filename/path, MCP exposure, 기존 DB sanitization 범위에 대한 사용자 결정이 필요하다.
-- Ready for REQ Drafting: false
-- Confirmed By: 없음
-- Confirmed At (KST): 없음
+- Handoff Decision: confirmed
+- Handoff Rationale: 사용자 결정으로 raw_payload minimize, masked-basename + source_hash, MCP minimal/operator-summary/debug-gated, 기존 DB sanitization 후속 분리, finance agent privacy boundary, destructive migration 금지 원칙이 확정되어 REQ-021 초안 작성으로 인계 가능하다.
+- Ready for REQ Drafting: true
+- Confirmed By: 고진환
+- Confirmed At (KST): 2026-07-08 10:58 KST
diff --git a/docs/discovery/index.md b/docs/discovery/index.md
index ccef415..6710a47 100644
--- a/docs/discovery/index.md
+++ b/docs/discovery/index.md
@@ -19,4 +19,4 @@
 | dcy-011_20260703_backend-refactor-phase4-write-import-workflow-adapter-narrowing | 20260703 | Jarca Ledger 백엔드 리팩터링 Phase 4+ 후속 주기 (write service 분리 → import pipeline 분리 → advanced finance workflow 분리 → MCP/Streamlit adapter 표면 축소) | [Discovery](./dcy-011_20260703_backend-refactor-phase4-write-import-workflow-adapter-narrowing.md) | confirmed |
 | dcy-012_20260703_review-queue-reconciliation-workbench-persistence | 20260703 | 확인필요 큐 / 잔액대조 워크벤치 영속화 및 운영 모델 정립 | [Discovery](./dcy-012_20260703_review-queue-reconciliation-workbench-persistence.md) | confirmed |
 | dcy-013_20260707_docker-network-mcp-deployment | 20260707 | Jarca Ledger 독립 Docker 배포 및 network MCP endpoint 제공 | [Discovery](./dcy-013_20260707_docker-network-mcp-deployment.md) | confirmed |
-| dcy-014_20260708_import-provenance-sensitive-data-policy | 20260708 | Import provenance 및 민감자료 저장 정책 정리 | [Discovery](./dcy-014_20260708_import-provenance-sensitive-data-policy.md) | draft |
+| dcy-014_20260708_import-provenance-sensitive-data-policy | 20260708 | Import provenance 및 민감자료 저장 정책 정리 | [Discovery](./dcy-014_20260708_import-provenance-sensitive-data-policy.md) | confirmed |
diff --git a/docs/srs/Data/req-021_import-provenance-sensitive-data-policy.md b/docs/srs/Data/req-021_import-provenance-sensitive-data-policy.md
new file mode 100644
index 0000000..ece0f58
--- /dev/null
+++ b/docs/srs/Data/req-021_import-provenance-sensitive-data-policy.md
@@ -0,0 +1,162 @@
+# req-021: Import provenance and sensitive-data policy
+
+- Status: Approved
+- Type: Data
+- Priority: High
+- Owner: 렛저장인
+
+## Intent
+- `dcy-014`에서 확정된 import provenance 및 민감자료 저장 정책을 구현 가능한 requirement로 정규화한다.
+- Jarca Ledger는 import rollback, duplicate detection, audit investigation에 필요한 lineage를 보존하되, 운영 DB·repo fixture·logs·MCP/Streamlit responses에 원본 금융 증빙을 과도하게 저장하거나 노출하지 않아야 한다.
+- finance agent와 operator-facing surface는 raw evidence가 아니라 normalized provenance metadata를 소비해야 한다.
+
+## Requirement
+- 시스템은 모든 import source에 대해 표준 provenance envelope를 정의하고, source kind, parser identity, source hash, import batch id, row/page/sheet reference, external id, dedupe key, validation summary를 일관되게 보존해야 한다.
+- `transactions.raw_payload` 저장 정책은 기본 `minimize`로 한다. 원본 문서/row 덤프를 저장하지 않고 source별 allowlist에 포함된 normalized 최소 필드만 저장하거나, allowlist 밖 key는 제거/마스킹해야 한다.
+- `import_batches.filename`은 전체 file path를 저장하지 않고 `masked-basename + source_hash` 정책을 사용해야 한다.
+- MCP provenance exposure는 기본 `minimal`, operator-facing `operator-summary`, explicit debug gate가 필요한 `debug-gated` 수준으로 분리해야 한다.
+- finance agent는 raw financial evidence를 직접 받지 않고 normalized provenance metadata만 받아야 한다.
+- 기존 운영 DB에 이미 저장된 raw payload/file path sanitization은 본 REQ의 destructive migration 범위에 포함하지 않는다. 별도 GitHub Project Todo/후속 SDLC에서 scan/preview/backup/approval/migration 순서로 다룬다.
+- `docs/data-model.md`, `docs/project-structure.md`, `docs/runtime-flows.md`는 import provenance envelope, sensitive-data boundary, MCP exposure level, existing DB sanitization split을 반영해야 한다.
+
+## Acceptance Criteria
+1. Given synthetic import inputs for KB Bank PDF, Toss Bank PDF, Toss Securities PDF, SeoulPay XLSX, and CSV preview/import paths, When import preview or import is executed, Then each result exposes or stores a normalized provenance envelope with source kind, parser identity, source hash, import batch id where applicable, row/page/sheet reference where available, external id/dedupe key where applicable, and validation summary.
+2. Given an import source file path containing personal/environmental path segments, When an import batch is recorded, Then `import_batches.filename` or its successor field contains no full path and uses masked basename plus source hash for operator identification and audit correlation.
+3. Given source transactions contain raw parser payloads, file paths, account/card identifiers, passwords, tokens, secrets, or arbitrary CSV columns, When data is persisted to `transactions.raw_payload` or returned through preview/response payloads, Then only the source-specific allowlisted minimized fields remain and forbidden fields are removed or masked.
+4. Given MCP default tools return transaction/import provenance, When called by a normal finance-agent client, Then the response uses the `minimal` level and excludes raw financial evidence, full file paths, passwords, tokens/secrets, raw document text, and non-allowlisted payload fields.
+5. Given an operator-facing view or tool explicitly requests operator summary, When provenance is shown, Then masked filename, parser identity, source hash prefix, row/page/sheet reference, and validation summary may be included without exposing raw document text or full paths.
+6. Given debug diagnostics are needed, When a debug-gated path is used, Then debug details are available only through an explicit gate and still exclude passwords, tokens/secrets, and full source document dumps by default.
+7. Given existing operating DB rows may contain legacy raw payload/file path data, When REQ-021 delivery runs, Then it must not destructively rewrite existing operating DB content; it may add read-time sanitization or new-write policy only. Existing-data cleanup must remain in the separate Todo follow-up.
+8. Given CI and test fixtures run import-related tests, When pytest/AppTest/HTTP smoke/contract tests execute, Then they use synthetic/temp DBs and static/contract checks verify that forbidden sensitive fields are not emitted in default MCP responses or committed fixtures.
+9. Given baseline documentation is updated, When `docs/data-model.md`, `docs/project-structure.md`, and `docs/runtime-flows.md` are reviewed, Then they describe the provenance envelope, `raw_payload=minimize`, masked filename + source hash, MCP exposure levels, and the explicit split of existing DB sanitization.
+10. Given implementation is complete, When `python -m ruff check .`, full pytest, contract regression, dashboard tests/smoke where affected, and StagePilot doctor are run, Then current-batch regressions must be clear; pre-existing unrelated doctor debt may be reported separately.
+
+## Impacted Area
+- Docs:
+  - `docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md`
+  - `docs/data-model.md`
+  - `docs/project-structure.md`
+  - `docs/runtime-flows.md`
+  - 후속 batch planning/design/verification 문서
+- Modules:
+  - `jarca_ledger_mcp/application/imports_service.py`
+  - `jarca_ledger_mcp/infrastructure/parsers/*`
+  - `jarca_ledger_mcp/infrastructure/sqlite/schema.py`
+  - `jarca_ledger_mcp/infrastructure/sqlite/migrations.py`
+  - `jarca_ledger_mcp/adapters/mcp/server.py`
+  - `jarca_ledger_mcp/adapters/mcp/tool_contracts.py`
+  - Streamlit import/operations gateway/page surfaces where provenance is displayed
+- Tests:
+  - source-specific import regression tests
+  - sensitive-field/static scan tests
+  - MCP contract/default response tests
+  - fixture/log safety checks where applicable
+
+## Notes
+- Source Discovery: `docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md`.
+- Confirmed decisions from dcy-014:
+  - `raw_payload`: `minimize`.
+  - `import_batches.filename`: `masked-basename + source_hash`, no full path.
+  - MCP exposure: default `minimal`, operator-facing `operator-summary`, debug `debug-gated`.
+  - existing operating DB sanitization: split to separate GitHub Project Todo.
+  - finance agent privacy boundary: normalized provenance only.
+  - destructive migration: prohibited without preview/backup/explicit approval.
+- Code-derived source matrix from dcy-014:
+  - KB Bank PDF: source hash, page count, metadata, validation, parsed row count, file path, raw payload/summary, branch/balance, external id, dedupe key currently appear in import flow.
+  - Toss Bank PDF: source hash, page count, metadata, validation, parsed row count, file path, action/counterparty/balance/raw payload/summary, external id, dedupe key currently appear in import flow.
+  - Toss Securities PDF: source hash, page count, metadata, validation, parsed row count, file path, section/action/code/name/quantity/unit price/fee/tax/balance/raw payload currently appear in import flow.
+  - SeoulPay XLSX: source hash, sheet name, metadata, validation, parsed row count, file path, transaction kind/payment kind/no/merchant id/channel/raw payload currently appear in import flow.
+  - CSV preview: current preview can echo raw CSV rows and full local path, so it requires allowlist/masking policy before broader exposure.
+- Out of scope:
+  - Existing operating DB sanitization migration.
+  - External legal review or third-party security audit.
+  - File vault/encryption system for original source documents.
+  - External public API auth/TLS design.
+
+## Change Log
+
+### CHG-20260708-01
+- Date: 2026-07-08
+- Author: 가웨인
+
+#### Change Summary
+- dcy-014 confirmed 범위를 REQ-021 Proposed 요구사항으로 생성했다.
+
+#### Intent
+- import provenance와 민감자료 저장/노출 정책을 delivery input으로 사용할 수 있는 단일 Data requirement로 정규화하기 위해 생성했다.
+
+#### Acceptance Criteria Delta
+- Added:
+  - provenance envelope, raw_payload minimize, masked filename + source hash, MCP exposure levels, finance-agent privacy boundary, existing DB sanitization split, fixture/log/MCP sensitive-data checks를 acceptance criteria로 추가했다.
+- Updated:
+  - none
+- Removed:
+  - none
+
+#### Impacted Area Delta
+- Docs:
+  - `docs/srs/index.md`
+  - `docs/srs/Data/req-021_import-provenance-sensitive-data-policy.md`
+  - `docs/discovery/dcy-014_20260708_import-provenance-sensitive-data-policy.md`
+- Modules:
+  - none yet; implementation pending
+- Tests:
+  - none yet; implementation pending
+
+#### Delivery Trace Delta
+- Batches:
+  - none yet
+- Releases:
+  - none
+
+#### Revalidation Impact
+- Reverification Needed: yes
+- Existing Implementation Invalidated: no
+- Status Recommendation: keep-current
+- Follow-up Action: run `confirm-req` for REQ-021 before batch selection/drafting.
+
+#### Validation Plan
+- Before implementation approval, verify source-specific provenance envelope behavior, sensitive-field filtering, MCP exposure-level defaults, synthetic fixture safety, full pytest, lint, relevant dashboard/MCP smoke, DB safety smoke, and baseline document updates.
+
+### CHG-20260708-02
+- Date: 2026-07-08
+- Author: 가웨인
+
+#### Change Summary
+- REQ-021 승인 게이트를 통과해 Status를 Approved로 전환했다.
+
+#### Intent
+- dcy-014 결정사항이 모두 해소되었고, raw_payload minimize, masked filename + source hash, MCP exposure boundary, existing DB sanitization split, finance-agent privacy boundary, destructive migration 금지 원칙이 delivery input으로 충분히 구체화되어 승인했다.
+
+#### Acceptance Criteria Delta
+- Added:
+  - none
+- Updated:
+  - none
+- Removed:
+  - none
+
+#### Impacted Area Delta
+- Docs:
+  - `docs/srs/Data/req-021_import-provenance-sensitive-data-policy.md`
+  - `docs/srs/index.md`
+- Modules:
+  - none
+- Tests:
+  - none
+
+#### Delivery Trace Delta
+- Batches:
+  - none yet
+- Releases:
+  - none
+
+#### Revalidation Impact
+- Reverification Needed: yes
+- Existing Implementation Invalidated: no
+- Status Recommendation: keep-current
+- Follow-up Action: draft batch for REQ-021 before implementation.
+
+#### Validation Plan
+- Validate through source-specific import tests, sensitive-field filtering/static scan, MCP exposure-level contract checks, fixture/log safety checks, full pytest, lint, relevant dashboard/MCP smoke, and baseline document updates.
+
diff --git a/docs/srs/index.md b/docs/srs/index.md
index 29465b0..7a54a09 100644
--- a/docs/srs/index.md
+++ b/docs/srs/index.md
@@ -33,7 +33,7 @@
 
 ## Next Requirement ID
 
-- Current: `REQ-021`
+- Current: `REQ-022`
 - Rule: `Requirement Register`에 있는 가장 큰 REQ 번호보다 정확히 1 커야 한다.
 
 ## Requirement Register
@@ -60,6 +60,7 @@
 | REQ-018 | MCP/Streamlit adapter surface narrowing and baseline refresh for dcy-011 completion | Interface | Implemented | High | 렛저장인 | [req-018_adapter-surface-narrowing-baseline-refresh.md](Interface/req-018_adapter-surface-narrowing-baseline-refresh.md) |
 | REQ-019 | Docker network MCP deployment and operating DB migration | Deployment | Implemented | High | 렛저장인 | [req-019_docker-network-mcp-deployment.md](Deployment/req-019_docker-network-mcp-deployment.md) |
 | REQ-020 | Review decision persistence and reconciliation workbench | Interface | Implemented | High | 렛저장인 | [req-020_review-decision-persistence-reconciliation-workbench.md](Interface/req-020_review-decision-persistence-reconciliation-workbench.md) |
+| REQ-021 | Import provenance and sensitive-data policy | Data | Approved | High | 렛저장인 | [req-021_import-provenance-sensitive-data-policy.md](Data/req-021_import-provenance-sensitive-data-policy.md) |
 
 ## Recent Change Log Summary
 
@@ -99,3 +100,5 @@
 - 2026-07-08 00:00 KST: REQ-020을 승인 게이트 검토 후 Approved 상태로 전환했다.
 
 - 2026-07-08 07:11 KST: REQ-020을 BAT-016 local verification 근거로 Implemented 상태로 전환했다. CI/PR review는 후속 외부 gate로 남아 있다.
+- 2026-07-08 11:26 KST: dcy-014 confirmed 범위를 `REQ-021` Proposed 상태로 생성하고 import provenance 및 민감자료 저장 정책 요구사항으로 등록했다.
+- 2026-07-08 11:31 KST: REQ-021을 승인 게이트 검토 후 Approved 상태로 전환했다.