The Harness Is the Model: Agent Scaffolding Changes a Fixed LLM's Compliance with Banking Conduct Rules
Five harnesses: a one-shot pipeline, a ReAct tool loop, a loop with policy reachable only by search, a loop with long benign customer memory, and a loop with a same-model reviewer.
11.5 percentage pointsspread between best and worst harness for one model (qwen3.8-flash-next)