{
  "name": "servicing-audit",
  "domain": "Consumer Lending & Fair Lending",
  "title": "Loan Servicing Audit",
  "description": "Three independent recomputations over one loan's servicing math. Step 1 builds the period-by-period amortization schedule from the caller-declared note terms (art-332). Step 2 recomputes how a single borrower payment cascades under the caller-declared bucket application order and diffs the per-bucket split against the servicer's applied amounts (art-664). Step 3 runs the aggregate escrow analysis over the declared starting balance, monthly deposit and projected disbursement schedule, classifying the account as balanced, short, deficient or in surplus with the corresponding remedy (art-342). Each step computes from its own declared inputs; the order is analytical, not a statutory sequence.",
  "composer_url": "https://ainumbers.co/chaingraph/chains/servicing-audit.html",
  "regulatory_refs": [
    "12 CFR 1024.17 (RESPA Reg X, aggregate escrow accounting) -- the method the escrow stage's node implements; the cushion target and disbursement schedule are declared inputs to that node, not figures this chain derives"
  ],
  "regulatory_basis_status": "not_assessed",
  "regulatory_basis_decided_by": "SERVICING-AUDIT-CHAIN-1",
  "regulatory_basis_decided_at": "2026-10-06",
  "export_capability": ["json"],
  "steps": [
    {
      "tool_id": "art-332-build-amortization-schedule",
      "handoff": "Builds the period-by-period amortization schedule and totals from the caller-declared note terms, with a schedule_digest over the result. Stage 1 of 3."
    },
    {
      "tool_id": "art-664-loan-servicing-waterfall-recompute",
      "handoff": "Recomputes how one payment cascades under the declared application order and diffs the per-bucket split against the servicer's applied amounts, returning a MATCHES or DIVERGES verdict with per-bucket deltas, or INDETERMINATE naming a missing field. Stage 2 of 3."
    },
    {
      "tool_id": "art-342-compute-escrow-analysis",
      "handoff": "Runs the aggregate escrow analysis over the declared balances, deposits and disbursements, classifying the account and naming the spread or refund remedy. Final stage."
    }
  ]
}