{
  "tool_id": "733-servicing-compliance-clock",
  "tool_version": "1.0.0",
  "display_name": "Servicing Compliance Clock",
  "mcp_name": "servicing_compliance_clock",
  "mandate_type": "consumer_finance",
  "wave": 131,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/733-servicing-compliance-clock.html",
  "description": "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 37-day pre-sale boundary, the 120-day pre-foreclosure bar, no-duplicate processing, force-placed-insurance notice, reminder, cancel and refund clocks, payment-crediting and payoff-statement deadlines, and ARM notice windows with their exception branches. Every obligation carries its paragraph citation and a named business-day calendar assumption. Invalid dates, removed rule branches and over-bound event sets are refused, never computed.",
  "input_schema_ref": "chaingraph/733-servicing-compliance-clock.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:e7eac9a4322542b6e39434f60df84cdc6eb24ceee9887b282aadc16f319bb4ea","valid_from":"2026-10-16"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-10-18"}],
  "export_capability": ["json"],
  "standards_basis": "implements_standard",
  "cited_clause_digest": [
    {
      "digest": "sha256:4ba07a2cda51b672bb72e4e422fd1ac373da7ff6f56d7a9d39da62e5e294af51",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1024&section=1024.35",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1024.35(d), (e)(3)(i)(A)-(C), (e)(3)(ii) -- error resolution: 5-business-day acknowledgment; 7-business-day, sale-bounded, and 30-business-day investigation windows; 15-business-day extension",
      "scheme": "cfr",
      "id": "12 CFR 1024.35 error resolution clocks"
    },
    {
      "digest": "sha256:d514f793b947b502a5c6d7cad9ad6b9ffd005045bee33a382eee764287eeac47",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1024&section=1024.36",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1024.36(c), (d)(2)(i)(A)-(B), (d)(2)(ii) -- information requests: 5-business-day acknowledgment; 10-business-day owner-identity and 30-business-day general windows; 15-business-day extension",
      "scheme": "cfr",
      "id": "12 CFR 1024.36 information request clocks"
    },
    {
      "digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1024&section=1024.41",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1024.41(b)(2)(i), (c)(1), (f)(1)(i), (g), (i) -- loss mitigation: 5-business-day acknowledgment (45-day gate), 30-day evaluation behind the 37-day pre-sale threshold, 120-day pre-foreclosure bar, no-duplicate rule; post-IFR text only (90 FR 20792, May 16, 2025)",
      "scheme": "cfr",
      "id": "12 CFR 1024.41 loss mitigation clocks"
    },
    {
      "digest": "sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1024&section=1024.37",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1024.37(c)(1)(i), (d)(1), (g) -- force-placed insurance: 45-day advance notice, reminder notice 30 days after the initial notice and 15 days before the charge, 15-day cancel-and-refund clock",
      "scheme": "cfr",
      "id": "12 CFR 1024.37 force-placed insurance clocks"
    },
    {
      "digest": "sha256:fd6aa0f8f7de47e059706f50668cd1da5c917f93a09eff5a6e326f2e02b95ce3",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1026&section=1026.36",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1026.36(c)(1)(i), (c)(1)(iii), (c)(3) -- payment crediting as of date of receipt and five days after receipt for accepted non-conforming payments; payoff statement within seven business days",
      "scheme": "cfr",
      "id": "12 CFR 1026.36(c) crediting and payoff clocks"
    },
    {
      "digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1026&section=1026.20",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1026.20(c)(2), (d) -- ARM notice windows: 60-120 days before the first payment at the adjusted level; 25-day floor for fast-cycle and pre-2015 short-index ARMs and for the estimated-rate first adjustment within 60 days of consummation; 210-240 days for the initial adjustment with the at-consummation case",
      "scheme": "cfr",
      "id": "12 CFR 1026.20(c)/(d) ARM notice windows"
    }
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "CVfINrRN1EAWgKe4dSeO85SHCl+2YfgF5jFD9fTEocMg8I7DrEshwT9WbVTKhE3vBNu3oYRiggsEg1xLEsZavh3nKVAf2rZHI7JKnbZoFVxi2U4gIxK8XHuh3QxD9H1LJoTFHEprXM743/P4mNUxOYaaR570jhxOjqE+tankB64kYfYpPyFtDQ/csrSONDAdrSKNA5dbWt/MUfhOSSynRylbDUiRZOa9yja6hY9BiAS+iWZjR88YK7C5vRDLmnUgDcMWm9Z0xg5O7asc8zs5UhHi+huKm5czymkFDPnGL0YOhjAA5sOR07wFPMiAA/r1X71ccm3MFVOYQmu61R3FRA==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:e7eac9a4322542b6e39434f60df84cdc6eb24ceee9887b282aadc16f319bb4ea",
      "output": {
        "evidence": {
          "business_day_calendar": "us_federal_holidays_observed",
          "clocks_breached": 0,
          "computed_from": "event_dates_and_loan_values_only",
          "events_computed": 1,
          "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs",
          "pii_carried": false,
          "record_type": "servicing_compliance_clock",
          "refusal_free": true,
          "tool_id": "733-servicing-compliance-clock",
          "tool_version": "1.0.0"
        },
        "manual_review_required": false,
        "obligations": [
          {
            "action_date": null,
            "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays",
            "calendar": "us_federal_holidays_observed",
            "cited_paragraph": "12 CFR 1024.35(d)",
            "days_allowed": 5,
            "due_date": "2026-12-03",
            "rule": "error_acknowledgment",
            "state": "within",
            "trigger_date": "2026-11-25"
          }
        ],
        "verdict": "completed"
      }
    }
  }
}