{"composer_url":"https://ainumbers.co/chaingraph/chains/servicer-response-clock-and-payment-check.html","description":"Check how a mortgage servicer handled an account in three stages: first compute the Regulation X response and action clocks for error notices, information requests, and loss-mitigation applications, with due dates and clock states from the event dates (733), then recompute how one payment was applied across escrow, fee, interest, and principal buckets under the note's declared application order, with verdict MATCHES, DIVERGES, or INDETERMINATE (ART-664), then a session receipt aggregating the run's execution hashes (CRY-05). Event dates, loan values, bucket balances, and the application order are caller-supplied inputs; a missed clock or a divergence is an arithmetic and sequence finding, never a legal determination. Not legal advice.","domain":"Consumer Lending & Fair Lending","name":"servicer-response-clock-and-payment-check","regulatory_basis_decided_at":"2026-10-23","regulatory_basis_decided_by":"CHAIN-COMPOSE-SERVICER-1","regulatory_basis_status":"not_assessed","regulatory_refs":["12 CFR Part 1024"],"sequence_not_statutory":true,"steps":[{"handoff":"Computes servicer-compliance due dates and clock states from event dates and loan values: error-resolution and information-request clocks, loss-mitigation acknowledgment and evaluation, the 120-day pre-foreclosure bar, payment-crediting and payoff-statement deadlines, each obligation with its Regulation X paragraph citation","tool_id":"733-servicing-compliance-clock"},{"handoff":"Recomputes how a single payment applies across escrow, fee, interest, and principal buckets under the note's caller-declared application order and diffs the recomputed per-bucket breakdown against the core's actual applied amounts, with verdict MATCHES, DIVERGES, or INDETERMINATE","tool_id":"art-664-loan-servicing-waterfall-recompute"},{"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":"Servicer Response Clock and Payment Check"}