diff --git a/.architecture-rules/frontend.yaml b/.architecture-rules/frontend.yaml
index a31b3a7a..4a4ff87f 100644
--- a/.architecture-rules/frontend.yaml
+++ b/.architecture-rules/frontend.yaml
@@ -644,6 +644,37 @@ template_rules:
       exceptions:
         - "shared/macros/headers.html"
 
+  - id: "TPL-016"
+    name: "Persona templates >75 LOC must include a shared/ partial"
+    severity: "warning"
+    description: |
+      Any persona template (under app/modules/<m>/templates/<m>/{admin,merchant,store}/*.html)
+      that exceeds 75 LOC AND does not {% include %} a `*/shared/*` partial is likely
+      duplicating body content that should live in a shared partial used by all three
+      personas. See docs/architecture/persona-template-consolidation.md for the pattern.
+
+      RIGHT (thin wrapper + shared body):
+        {% extends "store/base.html" %}
+        ...page-header + loading/error...
+        {% set cards_api_prefix = '/store/loyalty' %}
+        {% set cards_base_url = '/store/' ~ store_code ~ '/loyalty/cards' %}
+        {% include 'loyalty/shared/cards-list.html' %}
+
+      WRONG (inlined table + filters that already exist in shared/):
+        {% extends "store/base.html" %}
+        ...200 lines of inline <table>/filters/pagination identical to merchant's...
+
+      Suppress for legit exceptions (admin multi-merchant aggregator, store-only
+      hardware UI, persona-unique tabbed dashboard) with `{# noqa: TPL-016 #}`
+      anywhere in the file.
+    pattern:
+      file_pattern: "app/modules/*/templates/*/{admin,merchant,store}/*.html"
+      threshold_loc: 75
+      required_pattern: "{% include .*/shared/.*"
+      exceptions:
+        - "base.html"
+        - "partials/"
+
   - id: "TPL-014"
     name: "Use new modal_simple macro API with call block"
     severity: "error"
diff --git a/scripts/validate/validate_architecture.py b/scripts/validate/validate_architecture.py
index 5203a763..44ecbe3a 100755
--- a/scripts/validate/validate_architecture.py
+++ b/scripts/validate/validate_architecture.py
@@ -871,6 +871,10 @@ class ArchitectureValidator:
             if not is_macro:
                 self._check_static_v_usage(file_path, content, lines)
 
+            # TPL-016: Persona templates >75 LOC should include a shared/ partial
+            if not is_macro:
+                self._check_persona_template_shared_include(file_path, content, lines)
+
             # TPL-004: Check x-text usage for dynamic content
             self._check_xtext_usage(file_path, content, lines)
 
@@ -1832,6 +1836,55 @@ class ArchitectureValidator:
                 suggestion="Replace url_for(...) with static_v(request, ...) so the URL carries ?v=<commit>",
             )
 
+    _TPL_016_THRESHOLD = 75
+    _TPL_016_PERSONA_RE = re.compile(
+        r"app/modules/[^/]+/templates/[^/]+/(?:admin|merchant|store)/[^/]+\.html$"
+    )
+    _TPL_016_SHARED_INCLUDE_RE = re.compile(
+        r"""\{%\s*include\s+['"][^'"]*/shared/[^'"]+['"]"""
+    )
+
+    def _check_persona_template_shared_include(
+        self, file_path: Path, content: str, lines: list[str]
+    ):
+        """TPL-016: Persona templates >75 LOC should include a shared/ partial.
+
+        Catches new persona-specific templates that inline body content already
+        living (or worth living) in `<module>/templates/<module>/shared/*.html`.
+        See docs/architecture/persona-template-consolidation.md.
+
+        Skip on file-level `noqa: TPL-016` comment.
+        """
+        if not self._TPL_016_PERSONA_RE.search(str(file_path).replace("\\", "/")):
+            return
+        if len(lines) <= self._TPL_016_THRESHOLD:
+            return
+        if any(
+            "noqa: tpl-016" in line.lower() or "noqa: tpl016" in line.lower()
+            for line in lines
+        ):
+            return
+        if self._TPL_016_SHARED_INCLUDE_RE.search(content):
+            return
+
+        self._add_violation(
+            rule_id="TPL-016",
+            rule_name="Persona templates >75 LOC must include a shared/ partial",
+            severity=Severity.WARNING,
+            file_path=file_path,
+            line_number=1,
+            message=(
+                f"Persona template is {len(lines)} LOC and doesn't include a shared/ partial — "
+                "likely duplicates body content already in a sibling persona"
+            ),
+            context=file_path.name,
+            suggestion=(
+                "Extract the body into app/modules/<m>/templates/<m>/shared/<feature>-(list|form|view).html "
+                "and {% include %} it from this wrapper. Or add {# noqa: TPL-016 #} if intentionally standalone "
+                "(see docs/architecture/persona-template-consolidation.md for the heuristic)."
+            ),
+        )
+
     def _validate_api_endpoints(self, target_path: Path):
         """Validate API endpoint rules (API-001, API-002, API-003, API-004)"""
         print("📡 Validating API endpoints...")
@@ -3551,6 +3604,10 @@ class ArchitectureValidator:
             if not is_base_or_partial and not is_macro:
                 self._check_static_v_usage(file_path, content, lines)
 
+            # TPL-016: Persona templates >75 LOC should include a shared/ partial
+            if not is_base_or_partial and not is_macro:
+                self._check_persona_template_shared_include(file_path, content, lines)
+
             # TPL-008: Check for call table_header() pattern
             self._check_table_header_call_pattern(file_path, content, lines)