diff --git a/.github/workflows/ppch-guard.yml b/.github/workflows/ppch-guard.yml
new file mode 100644
index 0000000000..0fface0d26
--- /dev/null
+++ b/.github/workflows/ppch-guard.yml
@@ -0,0 +1,18 @@
+name: PPCH Cognitive Complexity Guard
+
+on:
+  pull_request:
+    types: [opened, synchronize, reopened]
+
+jobs:
+  ppch-guard:
+    runs-on: self-hosted
+    permissions:
+      pull-requests: write
+      contents: read
+    steps:
+      - uses: Manditha77/ppch-framework@main
+        with:
+          post-comment: "true"
+          sonar-token: ${{ secrets.SONAR_TOKEN }}
+          sonar-host-url: "http://localhost:9000"
diff --git a/src/main/java/org/apache/commons/text/similarity/ComplexityTestUtil.java b/src/main/java/org/apache/commons/text/similarity/ComplexityTestUtil.java
new file mode 100644
index 0000000000..7ae07ad560
--- /dev/null
+++ b/src/main/java/org/apache/commons/text/similarity/ComplexityTestUtil.java
@@ -0,0 +1,135 @@
+package org.apache.commons.text.similarity;
+
+/**
+ * PPCH-framework test addition: a deliberately over-complex method used only
+ * to exercise a live cognitive-complexity-guard test on this fork. Not
+ * intended for upstream apache/commons-text.
+ */
+public final class ComplexityTestUtil {
+
+    private ComplexityTestUtil() {
+    }
+
+    public static String classifyTransaction(int amount, String currency, boolean isInternational,
+            boolean isFlagged, int riskScore, String region, boolean isNewCustomer, int previousFailures) {
+        String result;
+        if (amount <= 0) {
+            result = "invalid";
+        } else {
+            if (isFlagged) {
+                if (riskScore > 80) {
+                    result = "blocked";
+                } else if (riskScore > 50) {
+                    if (isNewCustomer) {
+                        result = "manual_review";
+                    } else {
+                        if (previousFailures > 2) {
+                            result = "manual_review";
+                        } else {
+                            result = "approved_with_delay";
+                        }
+                    }
+                } else {
+                    result = "approved";
+                }
+            } else {
+                if (isInternational) {
+                    if (region.equals("HIGH_RISK")) {
+                        if (amount > 10000) {
+                            result = "blocked";
+                        } else if (amount > 5000) {
+                            if (isNewCustomer && previousFailures > 0) {
+                                result = "manual_review";
+                            } else {
+                                result = "approved_with_delay";
+                            }
+                        } else {
+                            result = "approved";
+                        }
+                    } else if (region.equals("MEDIUM_RISK")) {
+                        if (amount > 20000) {
+                            result = "manual_review";
+                        } else {
+                            result = "approved";
+                        }
+                    } else {
+                        result = "approved";
+                    }
+                } else {
+                    if (currency.equals("USD") || currency.equals("EUR")) {
+                        if (amount > 50000) {
+                            result = "manual_review";
+                            for (int i = 0; i < previousFailures; i++) {
+                                if (i > 3) {
+                                    result = "blocked";
+                                    break;
+                                }
+                            }
+                        } else {
+                            result = "approved";
+                        }
+                    } else {
+                        if (isNewCustomer) {
+                            result = "manual_review";
+                        } else {
+                            result = "approved";
+                        }
+                    }
+                }
+            }
+        }
+        return result;
+    }
+
+    public static int scoreCustomer(int age, int accountAgeMonths, int loginCount, boolean hasVerifiedEmail,
+            boolean hasVerifiedPhone, int failedLogins, String tier) {
+        int score = 0;
+        if (age < 18) {
+            score -= 50;
+        } else if (age < 25) {
+            score -= 10;
+        } else {
+            score += 5;
+        }
+
+        if (accountAgeMonths > 24) {
+            score += 20;
+        } else if (accountAgeMonths > 12) {
+            score += 10;
+        } else if (accountAgeMonths > 1) {
+            if (loginCount > 50) {
+                score += 5;
+            } else {
+                score -= 5;
+            }
+        } else {
+            score -= 15;
+        }
+
+        if (hasVerifiedEmail && hasVerifiedPhone) {
+            score += 15;
+        } else if (hasVerifiedEmail || hasVerifiedPhone) {
+            score += 5;
+        } else {
+            score -= 20;
+        }
+
+        if (failedLogins > 10) {
+            score -= 30;
+        } else if (failedLogins > 5) {
+            score -= 15;
+        } else if (failedLogins > 2) {
+            score -= 5;
+        }
+
+        if ("PLATINUM".equals(tier)) {
+            score += 25;
+        } else if ("GOLD".equals(tier)) {
+            score += 15;
+        } else if ("SILVER".equals(tier)) {
+            score += 5;
+        }
+
+        return score;
+    }
+}
\ No newline at end of file