{"composer_url":"https://ainumbers.co/chaingraph/chains/escrow-statement-check.html","description":"Audit a mortgage servicer's escrow accounting statement from the borrower's side, line by line: recompute the aggregate-accounting trial running balance month by month from the stated opening balance, monthly escrow deposits, and disbursements; diff the servicer's stated end-of-month balances against the recomputation, flagging each discrepant line; check the stated cushion against the one-sixth cap; and classify the account as balanced, shortage, surplus, or deficiency (732), then a session receipt aggregating the run's execution hashes (CRY-05). This checks the borrower-side statement, distinct from the servicer-side servicing-audit chain. Numeric values only, never identifiers; a divergence is an arithmetic finding, never a legal determination. Not legal advice.","domain":"Consumer Lending & Fair Lending","name":"escrow-statement-check","regulatory_basis_decided_at":"2026-10-16","regulatory_basis_decided_by":"CHAIN-COMPOSE-ESCROW-1","regulatory_basis_status":"not_assessed","regulatory_refs":["12 CFR 1024.17"],"sequence_not_statutory":true,"steps":[{"handoff":"Recomputes the aggregate-accounting trial running balance month by month from the stated opening balance, monthly escrow deposits, and disbursements; the servicer's stated end-of-month balances are diffed line by line against the recomputation with each discrepant line flagged, the stated cushion is checked against the one-sixth cap, and the account is classified as balanced, shortage, surplus, or deficiency","tool_id":"732-borrower-escrow-auditor"},{"handoff":"Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)","tool_id":"cry-05-agent-action-audit-trail-aggregator"}],"title":"Escrow Statement Check"}