{
  "definition_id": "ckl-federal-foreclosure-referral-calendar",
  "title": "Federal Foreclosure Referral Compliance Calendar",
  "version": "1.0.0",
  "source_citation": "Federal servicing-overlay compliance calendar (Reg X 12 CFR sections 1024.35, 1024.36, 1024.37, 1024.41; Reg Z 12 CFR section 1026.36(c)(3)) authored for the _checklist runner. The schema has no date fields: relative-day rules are encoded in the step instructions. Every dated rule cites a paragraph verified against the pinned eCFR snapshots in research/clause-snapshots/ (content as of 2026-10-02, retrieved 2026-10-06, row SERVICING-CLAUSE-SNAPSHOT-1). The 37-day pre-sale threshold is cited from the 1024.41(c)(1)/(g) paragraph text; Supplement I comment 41(g)-4 does not exist at any checkable content date (pin-recorded discrepancy) and is never cited. Named v1 scope exclusions, no pins exist and no dates are invented for them: bankruptcy-stay milestones; state-law foreclosure statutes.",
  "mandate_hash": null,
  "steps": [
    {
      "step_id": "loss-mit-app-acknowledgment",
      "title": "Acknowledge the loss mitigation application within 5 business days",
      "instruction": "Confirm the servicer sent a written acknowledgment within 5 days (excluding legal public holidays, Saturdays, and Sundays) after receiving the loss mitigation application, stating that receipt is acknowledged, whether the application is complete or incomplete, and, if incomplete, the additional documents or information the servicer needs [12 CFR 1024.41(b)(2)(i)(A)-(B); pin: research/clause-snapshots/12-CFR-1024.41-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "loss-mit-37day-presale-evaluation",
      "title": "Run the 37-day pre-sale loss mitigation evaluation clock",
      "instruction": "If the servicer received a complete loss mitigation application more than 37 days before a foreclosure sale, confirm all loss mitigation options were evaluated and the written notice was provided within 30 days of receiving the complete application (paragraphs (c)(1)(i)-(ii)); if the application was received 37 days or fewer before the sale, record that the 1024.41(c)(1) evaluation duty is not triggered and that the same more-than-37-days threshold text governs the 1024.41(g) prohibition on moving for foreclosure judgment or order of sale, or conducting a foreclosure sale. Cite the paragraph threshold text of 1024.41(c)(1) and 1024.41(g) only: Supplement I comment 41(g)-4 does not exist at any checkable content date and must never be cited as authority [12 CFR 1024.41(c)(1) and 1024.41(g); pin: research/clause-snapshots/12-CFR-1024.41-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "foreclosure-referral-120day-delinquency-bar",
      "title": "Check the 120-day delinquency bar before the first foreclosure notice or filing",
      "instruction": "Confirm the borrower's mortgage loan obligation is more than 120 days delinquent before the servicer makes the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process, record the delinquency date relied on, and identify any documented exception under 1024.41(f)(1)(ii)-(iii) if one is used [12 CFR 1024.41(f)(1); pin: research/clause-snapshots/12-CFR-1024.41-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "notice-of-error-resolution-clocks",
      "title": "Track notice-of-error acknowledgment and resolution clocks",
      "instruction": "Confirm a written acknowledgment of receipt was sent within 5 days (excluding legal public holidays, Saturdays, and Sundays) of receiving a notice of error, and that resolution occurred within the applicable clock: 7 days for the 1024.35(b)(6) correspondence category, or before the date of a foreclosure sale (whichever is earlier) or 30 days for the 1024.35(b)(9)/(b)(10) categories, or 30 days for all other errors, using at most one 15-day extension notified in writing before the 30-day period expires [12 CFR 1024.35(d), 1024.35(e)(3)(i)(A)-(C), 1024.35(e)(3)(ii); pin: research/clause-snapshots/12-CFR-1024.35-1024.36-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "information-request-response-clocks",
      "title": "Track information-request acknowledgment and response clocks",
      "instruction": "Confirm a written acknowledgment of receipt was sent within 5 days (excluding legal public holidays, Saturdays, and Sundays) of receiving an information request, and that a response was provided not later than 10 days for a request for the identity of, and contact information for, the owner or assignee, or 30 days for all other requests, using at most one additional 15-day extension for the 30-day requests [12 CFR 1024.36(c), 1024.36(d)(2)(i)-(ii); pin: research/clause-snapshots/12-CFR-1024.35-1024.36-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "fpi-first-notice-45day",
      "title": "Deliver the force-placed insurance first notice at least 45 days before charging",
      "instruction": "Confirm the first written force-placed insurance notice, containing the information required by 1024.37(c)(2), was delivered at least 45 days before the servicer assesses a premium charge or fee related to force-placed insurance, and that the servicer had a reasonable basis to believe the borrower had failed to maintain the required coverage before any charge [12 CFR 1024.37(b), 1024.37(c)(1)(i); pin: research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "fpi-reminder-and-refund",
      "title": "Deliver the FPI reminder notice and honor the 15-day cancel/refund window",
      "instruction": "Confirm the reminder notice was delivered at least 15 days before charging and not until at least 30 days after delivering the first notice, and that where evidence of compliant hazard insurance coverage was received from the borrower or otherwise, the force-placed insurance was cancelled and all overlapping-coverage premium charges and related fees refunded within 15 days of receiving that evidence [12 CFR 1024.37(c)(1)(ii), 1024.37(d)(1), 1024.37(g)(1)-(2); pin: research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": "servicing_compliance_officer",
      "gate": "blocking"
    },
    {
      "step_id": "payoff-statement-7business-days",
      "title": "Furnish the payoff statement within 7 business days of written request",
      "instruction": "Confirm an accurate payoff statement was sent within a reasonable time and in no case more than 7 business days after the servicer received a written request from the consumer or any person acting on the consumer's behalf; record any bankruptcy, foreclosure, reverse-mortgage, shared-appreciation, or disaster-related proviso relied on, and confirm the non-holder assignor exemption does not apply to the servicer [12 CFR 1026.36(c)(3); pin: research/clause-snapshots/12-CFR-1026.36-ecfr-2026-10-05.md].",
      "evidence_requirement": "text",
      "approver_role": null,
      "gate": "advisory"
    },
    {
      "step_id": "record-scope-exclusions",
      "title": "Record named v1 scope exclusions (no dates invented)",
      "instruction": "Record that this v1 federal-overlay calendar excludes two named branches: (a) bankruptcy-stay milestones and (b) state-law foreclosure statutes. No pinned clause snapshot exists in research/clause-snapshots/ for either branch as of version 1.0.0, so no calendar dates may be computed or asserted for them; the disposition is an acknowledged gap deferred to a later version once pins exist. Do not fill the calendar with invented dates for these branches, and treat any run evidence that claims such dates as a failure of this step.",
      "evidence_requirement": "text",
      "approver_role": null,
      "gate": "advisory"
    }
  ],
  "definition_digest": "d870f08899e923830ab09660fc3c950837f32bc6c5c999767175f280785fe865",
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      "cryptosuite": "eddsa-jcs-2022",
      "verificationMethod": "did:key:z6MkvxjePd9EkazGM71vheFPGAMR8VrMQdjBg1oGWq6zqXMK",
      "proofPurpose": "assertionMethod",
      "created": "2026-10-06T00:00:00.000Z",
      "proofValue": "zpyrnuB4oMawRPtwpQRYg31aZgY6Bntq9Uwk3LbZBkN5aeVGXhEg7A75r58ttSJ9sy8sE9XiyJheRtnuPwaVdabm"
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  }
}