diff --git a/.ai/manifest.adf b/.ai/manifest.adf
index 84d9a97..67e0010 100644
--- a/.ai/manifest.adf
+++ b/.ai/manifest.adf
@@ -16,6 +16,7 @@ ADF: 0.1
   - governance.adf (Triggers on: validate, drift, audit, trailer, risk, governance)
   - classifier.adf (Triggers on: classifier, routing, auto-route, adf add, classify, rule placement)
   - analysis.adf (Triggers on: blast, surface, dependency graph, blast radius, route extraction, schema extraction)
+  - typed-data-access.adf (Triggers on: tenant, user, subscription, quota, credit, mrr, pii, sensitivity, data registry, ontology, disambiguation, DATA_AUTHORITY, raw D1, service boundary, auth_scoped, billing_critical)
 
 💰 BUDGET:
   MAX_TOKENS: 4000
diff --git a/.ai/typed-data-access.adf b/.ai/typed-data-access.adf
new file mode 100644
index 0000000..e610144
--- /dev/null
+++ b/.ai/typed-data-access.adf
@@ -0,0 +1,49 @@
+ADF: 0.1
+
+🎯 TASK: Typed data access and ontology enforcement policy
+
+📋 CONTEXT:
+  - Business concepts (tenant, user, subscription, quota, credit, mrr, etc.) are defined in a canonical data registry — the single source of truth for ownership, sensitivity, and access shape across the ecosystem
+  - Reference registry location: Stackbilt-dev/stackbilt_llc/policies/data-registry.yaml (22+ concepts, 6 sensitivity tiers)
+  - Each concept declares: owner service, D1 table, sensitivity tier, definition, aliases, rpc_method, mcp_tool
+  - Consumer services derive their KNOWN_CONCEPTS and alias maps from the registry at build time (see aegis-web/src/lib/data-registry.ts pattern — compiled-const snapshot)
+  - AEGIS disambiguation firewall halts on undefined concepts rather than guessing
+  - CodeBeast DATA_AUTHORITY sensitivity class escalates raw D1 access to owned tables
+  - This charter policy module ties the three mechanisms together: registry → enforcement → disambiguation
+
+🔐 SENSITIVITY TIERS [load-bearing]:
+  - public            — readable from any service, no auth required (e.g., blog_post)
+  - service_internal  — readable/writable only by the owning service, raw D1 access is fine within the owner (e.g., conversation, memory, llm_trace)
+  - cross_service_rpc — accessible via declared RPC method or Service Binding, never raw D1 from a non-owning service (e.g., tenant, quota, generation)
+  - pii_scoped        — accessible only via owning service + audit_log entry required at the call site (e.g., user)
+  - billing_critical  — writable only by the owning service plus the Stripe webhook handler; never leaves the owning service boundary even via RPC (e.g., subscription, mrr)
+  - secrets           — never leaves the owning service boundary under any circumstance (e.g., api_key)
+
+⚠ CONSTRAINTS [load-bearing]:
+  - New code referencing a business concept MUST check the canonical registry first; terms not in the registry or its aliases MUST be added before the code lands
+  - Non-owning services reading or writing `cross_service_rpc` concepts MUST use the declared rpc_method or mcp_tool — raw D1 binding access to another service's table is a DATA_AUTHORITY violation
+  - `pii_scoped` access requires an audit_log entry at the call site — no silent reads
+  - `billing_critical` and `secrets` tiers NEVER cross the owning service boundary, even via RPC — treat as in-process only
+  - When encountering an undefined data concept in requirements, tasks, or user prompts, HALT and ask for clarification rather than guessing shape, ownership, or sensitivity
+  - Aliases (e.g., "credits" for "quota") are semantically equivalent; prefer the canonical form in new code, accept aliases in user-facing copy
+  - Registry updates MUST come before consumer code updates — the source of truth leads, consumers follow
+  - When promoting a concept to a higher sensitivity tier (e.g., service_internal → cross_service_rpc), all existing consumers of raw D1 access to that concept must migrate to RPC in the same change set
+
+📖 ADVISORY:
+  - Check the registry before reaching for a new type definition: the concept may already exist with a canonical shape
+  - Use `charter surface --format json` to discover what D1 tables a service currently exposes — cross-reference against registry ownership
+  - Unregistered-concept warnings from `charter validate` are early signals that ontology drift is beginning; address them immediately
+  - The disambiguation protocol is load-bearing for autonomous agents (AEGIS, cc-taskrunner, etc.) — these systems cannot safely guess business term semantics, and ambiguity compounds across sessions
+
+📊 METRICS:
+  REGISTRY_PATH: stackbilt_llc/policies/data-registry.yaml
+  REGISTRY_REPO: Stackbilt-dev/stackbilt_llc
+  SENSITIVITY_TIERS: 6
+  DOCUMENTED_CONCEPTS: 22
+  CONSUMER_PATTERN: web/src/lib/data-registry.ts (compile-from-yaml snapshot)
+
+🔗 REFERENCES:
+  - Stackbilt-dev/charter#69 — typed data access policy umbrella issue
+  - codebeast#9 — DATA_AUTHORITY sensitivity class (enforcement side)
+  - Stackbilt-dev/aegis#344 — disambiguation firewall (runtime halt mechanism)
+  - Stackbilt-dev/aegis#334 — adversarial reasoning (complementary quality layer)
diff --git a/packages/cli/src/__tests__/named-scaffolds.test.ts b/packages/cli/src/__tests__/named-scaffolds.test.ts
new file mode 100644
index 0000000..db1dea4
--- /dev/null
+++ b/packages/cli/src/__tests__/named-scaffolds.test.ts
@@ -0,0 +1,68 @@
+import { describe, it, expect } from 'vitest';
+import {
+  NAMED_MODULE_SCAFFOLDS,
+  NAMED_MODULE_DEFAULT_TRIGGERS,
+  TYPED_DATA_ACCESS_SCAFFOLD,
+} from '../commands/adf-named-scaffolds';
+
+describe('NAMED_MODULE_SCAFFOLDS registry', () => {
+  it('contains typed-data-access scaffold entry', () => {
+    expect(NAMED_MODULE_SCAFFOLDS['typed-data-access']).toBeDefined();
+    expect(NAMED_MODULE_SCAFFOLDS['typed-data-access']).toBe(TYPED_DATA_ACCESS_SCAFFOLD);
+  });
+
+  it('typed-data-access scaffold is valid ADF 0.1', () => {
+    const scaffold = NAMED_MODULE_SCAFFOLDS['typed-data-access'];
+    expect(scaffold).toMatch(/^ADF: 0\.1/);
+  });
+
+  it('typed-data-access scaffold declares the six sensitivity tiers', () => {
+    const scaffold = NAMED_MODULE_SCAFFOLDS['typed-data-access'];
+    expect(scaffold).toContain('public');
+    expect(scaffold).toContain('service_internal');
+    expect(scaffold).toContain('cross_service_rpc');
+    expect(scaffold).toContain('pii_scoped');
+    expect(scaffold).toContain('billing_critical');
+    expect(scaffold).toContain('secrets');
+  });
+
+  it('typed-data-access scaffold references the canonical registry path', () => {
+    const scaffold = NAMED_MODULE_SCAFFOLDS['typed-data-access'];
+    expect(scaffold).toContain('stackbilt_llc/policies/data-registry.yaml');
+  });
+
+  it('typed-data-access scaffold includes load-bearing disambiguation constraint', () => {
+    const scaffold = NAMED_MODULE_SCAFFOLDS['typed-data-access'];
+    expect(scaffold).toMatch(/CONSTRAINTS \[load-bearing\]/);
+    expect(scaffold).toContain('HALT and ask');
+  });
+});
+
+describe('NAMED_MODULE_DEFAULT_TRIGGERS registry', () => {
+  it('contains typed-data-access trigger keywords', () => {
+    expect(NAMED_MODULE_DEFAULT_TRIGGERS['typed-data-access']).toBeDefined();
+    expect(Array.isArray(NAMED_MODULE_DEFAULT_TRIGGERS['typed-data-access'])).toBe(true);
+  });
+
+  it('typed-data-access triggers include canonical business concept names', () => {
+    const triggers = NAMED_MODULE_DEFAULT_TRIGGERS['typed-data-access'];
+    expect(triggers).toContain('tenant');
+    expect(triggers).toContain('user');
+    expect(triggers).toContain('subscription');
+    expect(triggers).toContain('quota');
+  });
+
+  it('typed-data-access triggers include sensitivity and policy keywords', () => {
+    const triggers = NAMED_MODULE_DEFAULT_TRIGGERS['typed-data-access'];
+    expect(triggers).toContain('sensitivity');
+    expect(triggers).toContain('DATA_AUTHORITY');
+    expect(triggers).toContain('disambiguation');
+  });
+
+  it('every named scaffold has default triggers registered', () => {
+    for (const name of Object.keys(NAMED_MODULE_SCAFFOLDS)) {
+      expect(NAMED_MODULE_DEFAULT_TRIGGERS[name]).toBeDefined();
+      expect(NAMED_MODULE_DEFAULT_TRIGGERS[name].length).toBeGreaterThan(0);
+    }
+  });
+});
diff --git a/packages/cli/src/commands/adf-named-scaffolds.ts b/packages/cli/src/commands/adf-named-scaffolds.ts
new file mode 100644
index 0000000..8307eaf
--- /dev/null
+++ b/packages/cli/src/commands/adf-named-scaffolds.ts
@@ -0,0 +1,113 @@
+/**
+ * Named-module scaffold registry.
+ *
+ * Rich scaffolds for canonical policy modules that consumer repos can adopt
+ * with `charter adf create <name>`. The generic empty placeholder in
+ * buildModuleScaffold is the fallback; entries in NAMED_MODULE_SCAFFOLDS
+ * take precedence.
+ *
+ * Each named module also registers default manifest trigger keywords in
+ * NAMED_MODULE_DEFAULT_TRIGGERS. When `charter adf create <name>` is called
+ * without an explicit --triggers flag, these auto-populate the ON_DEMAND
+ * entry so the wiring is a one-command operation.
+ *
+ * Adding a new named module:
+ *   1. Add the scaffold content as an exported const
+ *   2. Register it in NAMED_MODULE_SCAFFOLDS
+ *   3. Register default triggers in NAMED_MODULE_DEFAULT_TRIGGERS
+ *   4. Add tests in __tests__/named-scaffolds.test.ts
+ */
+
+/**
+ * Typed data access and ontology enforcement policy (Stackbilt-dev/charter#69).
+ *
+ * Codifies the cross-repo policy for how services reference business concepts
+ * (tenant, user, subscription, quota, etc.) — derived from the canonical data
+ * registry at Stackbilt-dev/stackbilt_llc/policies/data-registry.yaml.
+ *
+ * Declares six sensitivity tiers, the disambiguation protocol, and RPC
+ * boundary rules. Consumed by charter validate / codebeast DATA_AUTHORITY /
+ * AEGIS disambiguation firewall as the single source of truth for data
+ * access policy across the ecosystem.
+ */
+export const TYPED_DATA_ACCESS_SCAFFOLD = `ADF: 0.1
+
+\u{1F3AF} TASK: Typed data access and ontology enforcement policy
+
+\u{1F4CB} CONTEXT:
+  - Business concepts (tenant, user, subscription, quota, credit, mrr, etc.) are defined in a canonical data registry — the single source of truth for ownership, sensitivity, and access shape across the ecosystem
+  - Reference registry location: Stackbilt-dev/stackbilt_llc/policies/data-registry.yaml (22+ concepts, 6 sensitivity tiers)
+  - Each concept declares: owner service, D1 table, sensitivity tier, definition, aliases, rpc_method, mcp_tool
+  - Consumer services derive their KNOWN_CONCEPTS and alias maps from the registry at build time (compiled-const snapshot)
+  - Disambiguation protocol halts on undefined concepts rather than guessing
+  - CodeBeast DATA_AUTHORITY sensitivity class escalates raw D1 access to owned tables
+
+\u{1F510} SENSITIVITY TIERS [load-bearing]:
+  - public            \u2014 readable from any service, no auth required (e.g., blog_post)
+  - service_internal  \u2014 readable/writable only by the owning service, raw D1 access is fine within the owner
+  - cross_service_rpc \u2014 accessible via declared rpc_method or Service Binding, never raw D1 from a non-owning service
+  - pii_scoped        \u2014 accessible only via owning service + audit_log entry required at the call site
+  - billing_critical  \u2014 writable only by the owning service plus the Stripe webhook handler; never leaves the owning service boundary even via RPC
+  - secrets           \u2014 never leaves the owning service boundary under any circumstance
+
+\u26A0\uFE0F CONSTRAINTS [load-bearing]:
+  - New code referencing a business concept MUST check the canonical registry first; terms not in the registry or its aliases MUST be added before the code lands
+  - Non-owning services reading or writing cross_service_rpc concepts MUST use the declared rpc_method or mcp_tool \u2014 raw D1 access to another service's table is a DATA_AUTHORITY violation
+  - pii_scoped access requires an audit_log entry at the call site \u2014 no silent reads
+  - billing_critical and secrets tiers NEVER cross the owning service boundary, even via RPC
+  - When encountering an undefined data concept in requirements, tasks, or user prompts, HALT and ask for clarification rather than guessing shape, ownership, or sensitivity
+  - Registry updates MUST come before consumer code updates \u2014 the source of truth leads, consumers follow
+  - When promoting a concept to a higher sensitivity tier, all existing consumers of raw D1 access must migrate to RPC in the same change set
+
+\u{1F4D6} ADVISORY:
+  - Check the registry before reaching for a new type definition \u2014 the concept may already exist with a canonical shape
+  - Use charter surface --format json to discover what D1 tables a service currently exposes; cross-reference against registry ownership
+  - Aliases (e.g., "credits" for "quota") are semantically equivalent; prefer the canonical form in new code, accept aliases in user-facing copy
+  - The disambiguation protocol is load-bearing for autonomous agents \u2014 these systems cannot safely guess business term semantics
+
+\u{1F4CA} METRICS:
+  REGISTRY_PATH: stackbilt_llc/policies/data-registry.yaml
+  REGISTRY_REPO: Stackbilt-dev/stackbilt_llc
+  SENSITIVITY_TIERS: 6
+  DOCUMENTED_CONCEPTS: 22
+
+\u{1F517} REFERENCES:
+  - Stackbilt-dev/charter#69 \u2014 typed data access policy umbrella issue
+  - codebeast#9 \u2014 DATA_AUTHORITY sensitivity class (enforcement side)
+  - Stackbilt-dev/aegis#344 \u2014 disambiguation firewall (runtime halt mechanism)
+`;
+
+/**
+ * Registry of rich named-module scaffolds. When `charter adf create <name>`
+ * matches a name in this map, the corresponding scaffold is written instead
+ * of the generic empty placeholder from buildModuleScaffold's fallback.
+ */
+export const NAMED_MODULE_SCAFFOLDS: Record<string, string> = {
+  'typed-data-access': TYPED_DATA_ACCESS_SCAFFOLD,
+};
+
+/**
+ * Default manifest trigger keywords for named modules. Used when
+ * `charter adf create <name>` matches a known module and no explicit
+ * --triggers flag is provided.
+ */
+export const NAMED_MODULE_DEFAULT_TRIGGERS: Record<string, string[]> = {
+  'typed-data-access': [
+    'tenant',
+    'user',
+    'subscription',
+    'quota',
+    'credit',
+    'mrr',
+    'pii',
+    'sensitivity',
+    'data registry',
+    'ontology',
+    'disambiguation',
+    'DATA_AUTHORITY',
+    'raw D1',
+    'service boundary',
+    'auth_scoped',
+    'billing_critical',
+  ],
+};
diff --git a/packages/cli/src/commands/adf.ts b/packages/cli/src/commands/adf.ts
index 3c014b7..d453275 100644
--- a/packages/cli/src/commands/adf.ts
+++ b/packages/cli/src/commands/adf.ts
@@ -24,6 +24,17 @@ import { adfMetricsCommand } from './adf-metrics';
 import { adfTidyCommand } from './adf-tidy';
 import { adfPopulateCommand } from './adf-populate';
 import { adfContextCommand } from './adf-context';
+import {
+  NAMED_MODULE_SCAFFOLDS,
+  NAMED_MODULE_DEFAULT_TRIGGERS,
+} from './adf-named-scaffolds';
+
+// Re-export named-scaffold registry for programmatic consumers and tests.
+export {
+  TYPED_DATA_ACCESS_SCAFFOLD,
+  NAMED_MODULE_SCAFFOLDS,
+  NAMED_MODULE_DEFAULT_TRIGGERS,
+} from './adf-named-scaffolds';
 
 // ============================================================================
 // Scaffold Content
@@ -602,7 +613,12 @@ function adfCreate(options: CLIOptions, args: string[]): number {
 
   const manifestDoc = parseAdf(fs.readFileSync(manifestPath, 'utf-8'));
   const sectionKey = load === 'default' ? 'DEFAULT_LOAD' : 'ON_DEMAND';
-  const triggers = parseTriggers(getFlag(args, '--triggers'));
+  const explicitTriggers = parseTriggers(getFlag(args, '--triggers'));
+  // Named-module modules can ship default triggers; explicit --triggers wins.
+  const moduleName = path.basename(moduleRelPath, '.adf');
+  const triggers = explicitTriggers.length > 0
+    ? explicitTriggers
+    : (NAMED_MODULE_DEFAULT_TRIGGERS[moduleName] ?? []);
   const manifestEntry = load === 'on-demand' && triggers.length > 0
     ? `${moduleRelPath} (Triggers on: ${triggers.join(', ')})`
     : moduleRelPath;
@@ -762,6 +778,14 @@ function parseModulePathFromEntry(entry: string): string {
 
 function buildModuleScaffold(modulePath: string): string {
   const name = path.basename(modulePath, '.adf');
+
+  // Named-module registry: rich scaffolds for canonical policy modules.
+  // Falls back to the generic placeholder below for user-defined modules.
+  const named = NAMED_MODULE_SCAFFOLDS[name];
+  if (named) {
+    return named;
+  }
+
   return `ADF: 0.1
 \u{1F3AF} TASK: ${name} module