EIOC Unified Core — Fraud Sector Pack: U.S. National Emotional-Security Competency Framework, Cross-Agency Endorsement Architecture, and K–12 Scenario Bank

The United States has no national curriculum for youth fraud-resilience education. Unlike the United Kingdom, which is embedding fraud-awareness lessons into secondary school PSHE requirements by September 2026, the U.S. relies on a patchwork of voluntary, agency-specific awareness campaigns (FTC, FBI, DOE OIG, CISA) with no standardized K–12 delivery mechanism. This gap persists despite FTC data showing that consumers aged 19 and under are more than twice as likely to report losing money to fraud than those aged 80 and over, and that over 40% of youth fraud losses originate on social media. This paper introduces the EIOC Unified Core — Fraud Sector Pack, a governance-grade framework for national youth fraud-resilience that operates at the emotional-security substrate layer rather than the content layer (scam-type enumeration) or competency layer (social-emotional learning skills). The framework comprises five original contributions: (1) a five-competency emotional-security model grounded in drift detection, manipulation-pattern invariants, trust-heuristic hijack recognition, pause-protocol activation, and digital-identity integrity; (2) a cross-agency endorsement architecture enabling FTC, FBI, CISA, and DOE OIG adoption without prescribing curriculum; (3) a state-adoption playbook demonstrating how Texas, California, New York, and Florida can integrate the same core through distinct governance channels; (4) an invariant-based scenario architecture with 30 scenarios spanning elementary, middle, and high school, mapped to EIOC substrate physics, FTC youth fraud priorities, CISA cyber hygiene competencies, and DOE digital citizenship frameworks; and (5) the substrate-level claim that EIOC is the only available framework operating below the content and competency layers, addressing the emotional mechanism of fraud rather than its surface presentation. The framework is designed for U.S. adoption as national infrastructure — a competency standard and endorsed toolkit — rather than as federal curriculum, conforming to state-controlled education governance, federal non-prescription constraints, liability boundaries, and the rapid obsolescence of enumerative fraud-education models. This document also establishes intellectual property provenance, distinguishing publicly derivable contextual foundations from the original, non-derivable architectural contributions of the EIOC Unified Core.