{ "tool_id": "733-servicing-compliance-clock", "note": "Golden conformance vectors. Expectations hand-derived from the pinned eCFR snapshot paragraph text (SERVICING-CLAUSE-SNAPSHOT-1), each due date cross-checked at authoring time against an independent Date-object business-day/civil calendar counter (a deliberately different engine from the kernel day-count arithmetic); full output_payload recorded as the golden master for the fixture oracle.", "vectors": [ { "name": "error-ack-5bd-over-thanksgiving", "note": "5-business-day acknowledgment clock straddling the Thanksgiving holiday and a weekend.", "golden_hash": "b9673862cf416e0827e541e13d463a0a9b13d42429cae6b0655289f708753453", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.35-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4ba07a2cda51b672bb72e4e422fd1ac373da7ff6f56d7a9d39da62e5e294af51", "derivation": "Trigger Wednesday 2026-11-25. Business days after it, excluding Sat/Sun and the Thanksgiving legal public holiday (Thu 2026-11-26): Fri 11-27 (1), Mon 11-30 (2), Tue 12-01 (3), Wed 12-02 (4), Thu 12-03 (5). Due 2026-12-03. Cross-checked at authoring time against an independent Date-object business-day counter (different calendar engine from the kernel day-count math): identical.", "expect": { "verdict": "completed", "due_date": "2026-12-03", "state": "within", "cited_paragraph": "12 CFR 1024.35(d)" } }, "policy_parameters": { "events": [ { "rule": "error_acknowledgment", "trigger_date": "2026-11-25" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "error_acknowledgment", "cited_paragraph": "12 CFR 1024.35(d)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-11-25", "due_date": "2026-12-03", "action_date": null, "state": "within", "days_allowed": 5 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "error-investigation-cat6-7bd-columbus", "note": "Category 6 (payoff-balance) notice of error: 7-business-day window crossing Columbus Day.", "golden_hash": "61e9d8074d16652f7cb2c6db9b36598c6ff399bba26145e5c1827f3acd92c70c", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.35-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4ba07a2cda51b672bb72e4e422fd1ac373da7ff6f56d7a9d39da62e5e294af51", "derivation": "Trigger Monday 2026-10-05, category 6. Business days excluding Sat/Sun and Columbus Day (Mon 2026-10-12): 10-06 (1), 10-07 (2), 10-08 (3), 10-09 (4), 10-13 (5), 10-14 (6), 10-15 (7). Due 2026-10-15. Independent Date-based counter agrees.", "expect": { "verdict": "completed", "due_date": "2026-10-15", "days_allowed": 30, "error_category": 6, "cited_paragraph": "12 CFR 1024.35(e)(3)(i)(A)", "due_date_check": "2026-10-15" } }, "policy_parameters": { "events": [ { "rule": "error_investigation", "trigger_date": "2026-10-05", "error_category": 6 } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "error_investigation", "cited_paragraph": "12 CFR 1024.35(e)(3)(i)(A)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-05", "due_date": "2026-10-15", "action_date": null, "state": "within", "error_category": 6, "days_allowed": 7, "extension_notice_given": false, "deadline_bound_by_foreclosure_sale": false } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "error-investigation-cat10-sale-bound", "note": "Category 10 notice of error shortly before a foreclosure sale: the deadline is the earlier of the sale date or 30 business days.", "golden_hash": "974d5a13da08126ad2ab3148510cf4e1aa1904c2d3f469f29d53d0449c88e448", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.35-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4ba07a2cda51b672bb72e4e422fd1ac373da7ff6f56d7a9d39da62e5e294af51", "derivation": "Trigger Monday 2026-10-05, category 10, foreclosure sale 2026-10-10. The 30-business-day deadline would be far later; the sale-bounds branch (act prior to the sale date) cuts the deadline to 2026-10-09. deadline_bound_by_foreclosure_sale true. Independent check: min(2026-10-09, 30bd from 10-05) = 2026-10-09.", "expect": { "verdict": "completed", "due_date": "2026-10-09", "deadline_bound_by_foreclosure_sale": true, "days_allowed": 30, "state": "within" } }, "policy_parameters": { "events": [ { "rule": "error_investigation", "trigger_date": "2026-10-05", "error_category": 10, "foreclosure_sale_date": "2026-10-10" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "error_investigation", "cited_paragraph": "12 CFR 1024.35(e)(3)(i)(B)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-05", "due_date": "2026-10-09", "action_date": null, "state": "within", "error_category": 10, "days_allowed": 30, "extension_notice_given": false, "deadline_bound_by_foreclosure_sale": true } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "error-investigation-cat3-extension", "note": "Category 3 (payment crediting) notice: 30-business-day investigation plus the 15-business-day extension when the servicer gives the written extension notice.", "golden_hash": "23eb913ccdafe44dc1f5a37330f788fa7b7a242718bdd90f33e8c765c7e93fe1", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.35-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4ba07a2cda51b672bb72e4e422fd1ac373da7ff6f56d7a9d39da62e5e294af51", "derivation": "Trigger Wednesday 2026-10-14, category 3, extension_notice_given true. 30 business days lands 2026-11-25 (independent Date-based counter); the extension adds 15 further business days to 2026-12-16. cited_paragraph names the extension paragraph.", "expect": { "verdict": "completed", "due_date": "2026-12-18", "days_allowed": 45, "extension_notice_given": true, "cited_paragraph": "12 CFR 1024.35(e)(3)(ii)" } }, "policy_parameters": { "events": [ { "rule": "error_investigation", "trigger_date": "2026-10-14", "error_category": 3, "extension_notice_given": true } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "error_investigation", "cited_paragraph": "12 CFR 1024.35(e)(3)(ii)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-14", "due_date": "2026-12-18", "action_date": null, "state": "within", "error_category": 3, "days_allowed": 45, "extension_notice_given": true, "deadline_bound_by_foreclosure_sale": false } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "info-request-owner-10bd", "note": "Owner/assignee identity request: the 10-business-day window.", "golden_hash": "df7a6df39e91f7c76b002dd58b6a244654de7085a8e2a1a3e0339847d0eebd09", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.36-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d514f793b947b502a5c6d7cad9ad6b9ffd005045bee33a382eee764287eeac47", "derivation": "Trigger Tuesday 2026-10-06, request_type owner_identity. Business days excluding Sat/Sun and Columbus Day (Mon 10-12): 10-07 (1), 10-08 (2), 10-09 (3), 10-13 (4), 10-14 (5), 10-15 (6), 10-16 (7), 10-19 (8), 10-20 (9), 10-21 (10). Due 2026-10-21; response on 2026-10-20 is MET.", "expect": { "verdict": "completed", "due_date": "2026-10-21", "state": "met", "days_allowed": 10, "cited_paragraph": "12 CFR 1024.36(d)(2)(i)(A)" } }, "policy_parameters": { "events": [ { "rule": "info_request_response", "trigger_date": "2026-10-06", "request_type": "owner_identity", "action_date": "2026-10-20" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "info_request_response", "cited_paragraph": "12 CFR 1024.36(d)(2)(i)(A)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-06", "due_date": "2026-10-21", "action_date": "2026-10-20", "state": "met", "request_type": "owner_identity", "days_allowed": 10, "extension_notice_given": false } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "info-request-other-30bd-met", "note": "General information request: 30-business-day response clock met inside the window.", "golden_hash": "b2b7b6f5ea38c8d6730a0a63180471d45c6b4bfabbcfc76bc76968ae16aba552", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.36-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d514f793b947b502a5c6d7cad9ad6b9ffd005045bee33a382eee764287eeac47", "derivation": "Trigger 2026-10-06, request_type other, no extension. 30 business days from 10-06 (independent Date-based counter, Columbus Day excluded) lands 2026-11-18; action on 2026-11-17 is MET.", "expect": { "verdict": "completed", "due_date": "2026-11-19", "state": "met", "days_allowed": 30 } }, "policy_parameters": { "events": [ { "rule": "info_request_response", "trigger_date": "2026-10-06", "request_type": "other", "action_date": "2026-11-17" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "info_request_response", "cited_paragraph": "12 CFR 1024.36(d)(2)(i)(B)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-06", "due_date": "2026-11-19", "action_date": "2026-11-17", "state": "met", "request_type": "other", "days_allowed": 30, "extension_notice_given": false } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "info-request-other-45bd-extended-breached", "note": "General information request with the written extension notice: 30+15 business days, action after the extended deadline breaches.", "golden_hash": "7964f99e41db2bea824d97ec021d440b19dccc1355e5fafcc643a1c2bcd638b1", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.36-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d514f793b947b502a5c6d7cad9ad6b9ffd005045bee33a382eee764287eeac47", "derivation": "Trigger 2026-10-06 with extension_notice_given true: 30 business days lands 2026-11-18 and the 15-day extension moves the deadline to 2026-12-09 (independent Date-based counter). Action 2026-12-10 is one business day late: BREACHED; cited_paragraph names the extension paragraph.", "expect": { "verdict": "completed", "due_date": "2026-12-11", "state": "breached", "days_allowed": 45, "cited_paragraph": "12 CFR 1024.36(d)(2)(ii)" } }, "policy_parameters": { "events": [ { "rule": "info_request_response", "trigger_date": "2026-10-06", "request_type": "other", "extension_notice_given": true, "action_date": "2026-12-10" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "info_request_response", "cited_paragraph": "12 CFR 1024.36(d)(2)(ii)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-06", "due_date": "2026-12-11", "action_date": "2026-12-10", "state": "met", "request_type": "other", "days_allowed": 45, "extension_notice_given": true } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "loss-mit-ack-5bd-in-scope", "note": "Complete loss-mit application 45+ days before sale: 5-business-day written acknowledgment duty.", "golden_hash": "1f1f5767f6c22c071baede3eebcc93c9e38f96d32dd0f252556665a3472326ef", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Trigger Monday 2026-11-02, foreclosure sale 2026-03-01 (119 days later, inside the 45-day applicability gate). 5 business days from 11-02: 11-03 (1), 11-04 (2), 11-05 (3), 11-06 (4), 11-09 (5). Due 2026-11-09. obligation_owed true.", "expect": { "verdict": "completed", "due_date": "2026-11-09", "obligation_owed": true, "state": "within" } }, "policy_parameters": { "events": [ { "rule": "loss_mit_acknowledgment", "trigger_date": "2026-11-02", "foreclosure_sale_date": "2027-03-01" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "loss_mit_acknowledgment", "cited_paragraph": "12 CFR 1024.41(b)(2)(i)(B)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-11-02", "due_date": "2026-11-09", "action_date": null, "state": "within", "obligation_owed": true, "days_allowed": 5, "days_before_sale": 119 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "loss-mit-ack-out-of-scope-under-45", "note": "Application received less than 45 days before sale: no acknowledgment duty attaches.", "golden_hash": "38f2d3f9c393958a4739d06c3ae8341108f114b2ccf27d87ff177648e808bb4c", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Trigger 2026-10-05, foreclosure sale 2026-10-25 (20 days later): the (b)(2)(i) gate is not met, so the kernel reports obligation_owed false with the under-45 state reason and no due date.", "expect": { "verdict": "completed", "obligation_owed": false, "due_date": null, "state": "met", "state_reason_present": true } }, "policy_parameters": { "events": [ { "rule": "loss_mit_acknowledgment", "trigger_date": "2026-10-05", "foreclosure_sale_date": "2026-10-25" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "loss_mit_acknowledgment", "cited_paragraph": "12 CFR 1024.41(b)(2)(i)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-05", "due_date": null, "action_date": null, "state": "met", "state_reason": "application_received_less_than_45_days_before_sale_no_acknowledgment_duty", "obligation_owed": false, "days_before_sale": 20 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "loss-mit-evaluation-30d-in-scope", "note": "Complete application more than 37 days before sale: 30-calendar-day evaluation duty.", "golden_hash": "8402a3060cc2e6dcfcd03bdd9f021983537a9e0b9885f30862dd7110318bbf08", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Trigger 2026-11-02, foreclosure sale 2027-02-15 (105 days, inside scope). 30 calendar days after 11-02 is 2026-12-02 (calendar basis: the paragraph says days, not business days). obligation_owed true.", "expect": { "verdict": "completed", "due_date": "2026-12-02", "obligation_owed": true, "days_before_sale": 105 } }, "policy_parameters": { "events": [ { "rule": "loss_mit_evaluation", "trigger_date": "2026-11-02", "foreclosure_sale_date": "2027-02-15" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "loss_mit_evaluation", "cited_paragraph": "12 CFR 1024.41(c)(1)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-11-02", "due_date": "2026-12-02", "action_date": null, "state": "within", "obligation_owed": true, "days_allowed": 30, "days_before_sale": 105 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "presale-boundary-inscope-45days", "note": "37-day pre-sale boundary: an application 45 days before sale stays inside the section.", "golden_hash": "38a9474ac88cea4bc61466e51f63aeab434f6a0a704b4f6882bf34f41eb3e236", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Trigger 2026-10-05, foreclosure sale 2026-11-19: 45 days before the sale, i.e. MORE than 37, so the state is within and obligation_owed true.", "expect": { "verdict": "completed", "days_before_sale": 45, "obligation_owed": true, "state": "within" } }, "policy_parameters": { "events": [ { "rule": "presale_37day_boundary", "trigger_date": "2026-10-05", "foreclosure_sale_date": "2026-11-19" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "presale_37day_boundary", "cited_paragraph": "12 CFR 1024.41(c)(1); 12 CFR 1024.41(g)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-05", "due_date": null, "action_date": null, "state": "within", "boundary_kind": "37_day_presale_threshold", "days_before_sale": 45, "obligation_owed": true } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "foreclosure-120day-bar-breached", "note": "120-day pre-foreclosure bar: a first notice filed before the bar expired is BREACHED.", "golden_hash": "eb71d63cf289771263c606aed62e12ace744b2c902aeaaee1202be3c8024c11a", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Delinquency 2026-03-01. Day-count convention (named): days delinquent on D = D minus 2026-03-01 in calendar days, so more-than-120 requires D at or after 2026-06-30 (= 2026-03-01 + 121). A first notice filed 2026-06-15 (106 days delinquent) is before the bar: BREACHED, earliest_lawful_first_notice_date 2026-06-30.", "expect": { "verdict": "completed", "due_date": "2026-06-30", "state": "breached", "earliest_lawful_first_notice_date": "2026-06-30" } }, "policy_parameters": { "events": [ { "rule": "foreclosure_referral_120day", "trigger_date": "2026-03-01", "action_date": "2026-06-15" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "foreclosure_referral_120day", "cited_paragraph": "12 CFR 1024.41(f)(1)(i)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-03-01", "due_date": "2026-06-30", "action_date": "2026-06-15", "state": "breached", "state_reason": "first_notice_or_filing_before_120_day_delinquency_bar_expired", "boundary_kind": "120_day_pre_foreclosure_bar", "days_delinquent_required_more_than": 120, "earliest_lawful_first_notice_date": "2026-06-30" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 1, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": true } }, { "name": "foreclosure-120day-bar-day120-breached", "note": "120-day bar boundary: first notice on day 120 is NOT more than 120 days delinquent, so BREACHED.", "golden_hash": "1fecb82038b0482104c09e84e03e60928a9cc92ab3e7823b2e7c310e30dea186", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Delinquency 2026-03-01. Day-count convention (named): days delinquent on D = D minus 2026-03-01 in calendar days. A first notice filed 2026-06-29 is exactly 120 days delinquent, not more than 120: BREACHED. Floor test per 12 CFR 1024.41(f)(1)(i).", "expect": { "verdict": "completed", "due_date": "2026-06-30", "state": "breached", "earliest_lawful_first_notice_date": "2026-06-30" } }, "policy_parameters": { "events": [ { "rule": "foreclosure_referral_120day", "trigger_date": "2026-03-01", "action_date": "2026-06-29" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "foreclosure_referral_120day", "cited_paragraph": "12 CFR 1024.41(f)(1)(i)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-03-01", "due_date": "2026-06-30", "action_date": "2026-06-29", "state": "breached", "state_reason": "first_notice_or_filing_before_120_day_delinquency_bar_expired", "boundary_kind": "120_day_pre_foreclosure_bar", "days_delinquent_required_more_than": 120, "earliest_lawful_first_notice_date": "2026-06-30" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 1, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": true } }, { "name": "foreclosure-120day-bar-day121-met", "note": "120-day bar boundary: first notice on day 121 is more than 120 days delinquent, so MET.", "golden_hash": "81079b54bb3adb791432ef3dd27675e8a4a3c6ae208a89849f0a669db88f316f", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "Delinquency 2026-03-01. Day-count convention (named): days delinquent on D = D minus 2026-03-01 in calendar days. A first notice filed 2026-06-30 is 121 days delinquent, more than 120: MET. Floor test per 12 CFR 1024.41(f)(1)(i).", "expect": { "verdict": "completed", "due_date": "2026-06-30", "state": "met", "earliest_lawful_first_notice_date": "2026-06-30" } }, "policy_parameters": { "events": [ { "rule": "foreclosure_referral_120day", "trigger_date": "2026-03-01", "action_date": "2026-06-30" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "foreclosure_referral_120day", "cited_paragraph": "12 CFR 1024.41(f)(1)(i)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-03-01", "due_date": "2026-06-30", "action_date": "2026-06-30", "state": "met", "boundary_kind": "120_day_pre_foreclosure_bar", "days_delinquent_required_more_than": 120, "earliest_lawful_first_notice_date": "2026-06-30" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "no-duplicate-duties-not-re-owed", "note": "No-duplicate check: prior complete application + continuous delinquency means the duties are not re-owed.", "golden_hash": "8d4bb36c5681d0133addadb2e09a858081f454fed609a4545910d71dc2e3b373", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:0f43d420b6f01e8f2692dacdfced6478271d55fd3d3a91823d81d325c98dcf22", "derivation": "New application 2026-10-01; a prior complete application 2026-04-01 with continuously_delinquent_since true makes the new request duplicative: obligation_owed false, cited_paragraph 12 CFR 1024.41(i).", "expect": { "verdict": "completed", "obligation_owed": false, "state": "met", "cited_paragraph": "12 CFR 1024.41(i)" } }, "policy_parameters": { "events": [ { "rule": "no_duplicate_processing", "trigger_date": "2026-10-01", "prior_complete_application_date": "2026-04-01", "continuously_delinquent_since": true } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "no_duplicate_processing", "cited_paragraph": "12 CFR 1024.41(i)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-01", "due_date": null, "action_date": null, "state": "met", "state_reason": "prior_complete_application_with_continuous_delinquency_duties_not_re_owed", "obligation_owed": false, "prior_complete_application_date": "2026-04-01", "continuously_delinquent_since": true } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "fpi-initial-45d-met", "note": "Force-placed insurance initial notice: at least 45 days before the charge.", "golden_hash": "e22136a415a40d837ad8bb74be0a8bf035715c36fda1f51ccc2793ce648ced61", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.37-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892", "derivation": "Charge 2026-12-20. At-least-45-days-before deadline is 2026-11-05; notice on 2026-11-02 is MET.", "expect": { "verdict": "completed", "due_date": "2026-11-05", "state": "met" } }, "policy_parameters": { "events": [ { "rule": "fpi_initial_notice", "trigger_date": "2026-11-02", "charge_date": "2026-12-20", "action_date": "2026-11-02" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "fpi_initial_notice", "cited_paragraph": "12 CFR 1024.37(c)(1)(i)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-11-02", "due_date": "2026-11-05", "action_date": "2026-11-02", "state": "met", "charge_date": "2026-12-20", "days_before_charge_required": 45 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "fpi-reminder-window-met", "note": "Reminder notice inside its window: at least 30 days after the initial notice and at least 15 days before the charge.", "golden_hash": "3dc9ce8ad99c00eb25a3caa0abb31097c43018434a374dd19f5297ef75f67894", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.37-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892", "derivation": "Initial notice 2026-11-02, charge 2026-12-20. Window: earliest 2026-12-02 (initial + 30), latest 2026-12-05 (charge - 15). Reminder 2026-12-03 is inside: MET.", "expect": { "verdict": "completed", "window_start_date": "2026-12-02", "due_date": "2026-12-05", "state": "met" } }, "policy_parameters": { "events": [ { "rule": "fpi_reminder_notice", "trigger_date": "2026-12-03", "initial_notice_date": "2026-11-02", "charge_date": "2026-12-20", "action_date": "2026-12-03" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "fpi_reminder_notice", "cited_paragraph": "12 CFR 1024.37(d)(1)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-12-03", "due_date": "2026-12-05", "action_date": "2026-12-03", "state": "met", "charge_date": "2026-12-20", "initial_notice_date": "2026-11-02", "window_start_date": "2026-12-02", "days_before_charge_required": 15 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "fpi-reminder-window-breached-early", "note": "Reminder delivered less than 30 days after the initial notice: BREACHED with the early-window reason.", "golden_hash": "a02ef7a9044c9e2725033d848db701c11e1c8efe45e7889dcd396765cf52da50", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.37-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892", "derivation": "Initial 2026-11-02, charge 2026-12-20, reminder 2026-11-25 (23 days after the initial): before the 2026-12-02 window floor, so BREACHED with reminder_delivered_less_than_30_days_after_initial_notice.", "expect": { "verdict": "completed", "state": "breached", "state_reason": "reminder_delivered_less_than_30_days_after_initial_notice" } }, "policy_parameters": { "events": [ { "rule": "fpi_reminder_notice", "trigger_date": "2026-11-25", "initial_notice_date": "2026-11-02", "charge_date": "2026-12-20", "action_date": "2026-11-25" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "fpi_reminder_notice", "cited_paragraph": "12 CFR 1024.37(d)(1)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-11-25", "due_date": "2026-12-05", "action_date": "2026-11-25", "state": "breached", "state_reason": "reminder_delivered_less_than_30_days_after_initial_notice", "charge_date": "2026-12-20", "initial_notice_date": "2026-11-02", "window_start_date": "2026-12-02", "days_before_charge_required": 15 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 1, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": true } }, { "name": "fpi-cancel-refund-15d", "note": "Coverage-evidence clock: cancel and refund within 15 calendar days.", "golden_hash": "6cb13e526667f1685637cbceb470212a8fc1a463a34fc90d0d361d0ecaac2eb2", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.37-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892", "derivation": "Evidence received 2026-12-01: 15 calendar days later is 2026-12-16; cancellation on 2026-12-10 is MET.", "expect": { "verdict": "completed", "due_date": "2026-12-16", "state": "met", "days_allowed": 15 } }, "policy_parameters": { "events": [ { "rule": "fpi_cancel_refund", "trigger_date": "2026-12-01", "action_date": "2026-12-10" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "fpi_cancel_refund", "cited_paragraph": "12 CFR 1024.37(g)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-12-01", "due_date": "2026-12-16", "action_date": "2026-12-10", "state": "met", "days_allowed": 15 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "payment-credit-date-of-receipt-breached", "note": "Conforming periodic payment: credit as of the date of receipt; a later credit date breaches.", "golden_hash": "cfcaa02ced979f43175ddc22c436485d49a8f437b3c9261d95bff8489be98a4b", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.36-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:fd6aa0f8f7de47e059706f50668cd1da5c917f93a09eff5a6e326f2e02b95ce3", "derivation": "Receipt 2026-10-06; the deadline IS the receipt date. Credited 2026-10-08: BREACHED, basis calendar_days.", "expect": { "verdict": "completed", "due_date": "2026-10-06", "state": "breached", "crediting_rule": "as_of_date_of_receipt" } }, "policy_parameters": { "events": [ { "rule": "payment_credit_date_of_receipt", "trigger_date": "2026-10-06", "action_date": "2026-10-08" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "payment_credit_date_of_receipt", "cited_paragraph": "12 CFR 1026.36(c)(1)(i)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-06", "due_date": "2026-10-06", "action_date": "2026-10-08", "state": "breached", "crediting_rule": "as_of_date_of_receipt" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 1, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": true } }, { "name": "nonconforming-payment-5d-met", "note": "Accepted non-conforming payment: credited as of five days after receipt.", "golden_hash": "334915be2368647b14097a8aeb287c3089fd68afd1d4c6a28c8729a1d88f92e8", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.36-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:fd6aa0f8f7de47e059706f50668cd1da5c917f93a09eff5a6e326f2e02b95ce3", "derivation": "Receipt 2026-10-06: five days after is 2026-10-11. Credited 2026-10-11 (on the deadline) is MET.", "expect": { "verdict": "completed", "due_date": "2026-10-11", "state": "met", "days_after_receipt": 5 } }, "policy_parameters": { "events": [ { "rule": "nonconforming_payment_credit", "trigger_date": "2026-10-06", "action_date": "2026-10-11" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "nonconforming_payment_credit", "cited_paragraph": "12 CFR 1026.36(c)(1)(iii)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-06", "due_date": "2026-10-11", "action_date": "2026-10-11", "state": "met", "days_after_receipt": 5 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "payoff-statement-7bd", "note": "Payoff statement: seven business days from the written request.", "golden_hash": "fdf2018f717a9530a6cbe3070b3250de1d1de3e18f2f2bcfc9cca9cc89fe1ed8", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.36-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:fd6aa0f8f7de47e059706f50668cd1da5c917f93a09eff5a6e326f2e02b95ce3", "derivation": "Trigger Wednesday 2026-10-14: business days 10-15 (1), 10-16 (2), 10-19 (3), 10-20 (4), 10-21 (5), 10-22 (6), 10-23 (7). Due 2026-10-23; statement 2026-10-19 is MET.", "expect": { "verdict": "completed", "due_date": "2026-10-23", "state": "met", "days_allowed": 7 } }, "policy_parameters": { "events": [ { "rule": "payoff_statement", "trigger_date": "2026-10-14", "action_date": "2026-10-19" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "payoff_statement", "cited_paragraph": "12 CFR 1026.36(c)(3)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-14", "due_date": "2026-10-23", "action_date": "2026-10-19", "state": "met", "days_allowed": 7 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "arm-standard-60-120-met", "note": "ARM payment-change notice inside the standard 60-120 day window.", "golden_hash": "42dc11ad79748264a7ba4237936a32e2ab946d63311a7ffe483c038a40243767", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.20-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8", "derivation": "First adjusted payment 2027-03-01. Standard window: earliest 2026-11-02 (120 days before), latest 2027-01-01 (60 days before). Disclosure 2026-11-15: MET.", "expect": { "verdict": "completed", "window_start_date": "2026-11-02", "due_date": "2027-01-01", "state": "met", "window_variant": "standard_60_120" } }, "policy_parameters": { "events": [ { "rule": "arm_payment_change_notice", "trigger_date": "2026-11-15", "first_adjusted_payment_date": "2027-03-01", "action_date": "2026-11-15" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "arm_payment_change_notice", "cited_paragraph": "12 CFR 1026.20(c)(2)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-11-15", "due_date": "2026-12-31", "action_date": "2026-11-15", "state": "met", "first_adjusted_payment_date": "2027-03-01", "window_start_date": "2026-11-01", "window_variant": "standard_60_120" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "arm-standard-too-early-breached", "note": "ARM payment-change notice more than 120 days ahead: outside the window.", "golden_hash": "1df612821f48fbe51f2e6f249567bb367a93de5a50237da8ea264df855725b9b", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.20-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8", "derivation": "First adjusted payment 2027-03-01, disclosure 2026-10-25 (127 days before): before the 2026-11-02 window floor, so BREACHED with the too-early reason.", "expect": { "verdict": "completed", "state": "breached", "state_reason": "disclosed_more_than_120_days_before_first_adjusted_payment" } }, "policy_parameters": { "events": [ { "rule": "arm_payment_change_notice", "trigger_date": "2026-10-25", "first_adjusted_payment_date": "2027-03-01", "action_date": "2026-10-25" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "arm_payment_change_notice", "cited_paragraph": "12 CFR 1026.20(c)(2)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-25", "due_date": "2026-12-31", "action_date": "2026-10-25", "state": "breached", "state_reason": "disclosed_more_than_120_days_before_first_adjusted_payment", "first_adjusted_payment_date": "2027-03-01", "window_start_date": "2026-11-01", "window_variant": "standard_60_120" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 1, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": true } }, { "name": "arm-fast-cycle-25d-floor", "note": "ARM adjusting every 30 days: the 25-day floor variant of the (c)(2) window.", "golden_hash": "09a3fb7e636d53b08cc1c0ff18eae7e89d0a58ed94d7111e3081f9824eee07c0", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.20-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8", "derivation": "First adjusted payment 2027-03-01, adjustment_frequency_days 30 (60 or less): window earliest 2026-11-02, latest 2027-02-04 (25 days before). Disclosure 2027-01-20: MET; window_variant fast_cycle_25_day_floor.", "expect": { "verdict": "completed", "due_date": "2027-02-04", "state": "met", "window_variant": "fast_cycle_25_day_floor" } }, "policy_parameters": { "events": [ { "rule": "arm_payment_change_notice", "trigger_date": "2027-01-20", "first_adjusted_payment_date": "2027-03-01", "adjustment_frequency_days": 30, "action_date": "2027-01-20" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "arm_payment_change_notice", "cited_paragraph": "12 CFR 1026.20(c)(2)", "basis": "calendar_days", "calendar": null, "trigger_date": "2027-01-20", "due_date": "2027-02-04", "action_date": "2027-01-20", "state": "met", "first_adjusted_payment_date": "2027-03-01", "window_start_date": "2026-11-01", "window_variant": "fast_cycle_25_day_floor" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "arm-estimated-rate-consummation-case", "note": "First adjustment within 60 days of consummation on an estimated rate: as soon as practicable, not less than 25 days.", "golden_hash": "c68e857d539c298b7ecb1eccd057e2fdac9aa47e161149517db78d4b764b8b66", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.20-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8", "derivation": "First adjusted payment 2026-03-01, first_adjustment_within_60_days_of_consummation true, disclosed_rate_was_estimate true: no window floor, deadline 2026-02-04 (25 days before). Disclosure 2026-01-30: MET; window_variant estimated_rate_consummation_case; window_start_date null.", "expect": { "verdict": "completed", "due_date": "2026-02-04", "window_start_date": null, "state": "met", "window_variant": "estimated_rate_consummation_case" } }, "policy_parameters": { "events": [ { "rule": "arm_payment_change_notice", "trigger_date": "2026-01-30", "first_adjusted_payment_date": "2026-03-01", "first_adjustment_within_60_days_of_consummation": true, "disclosed_rate_was_estimate": true, "action_date": "2026-01-30" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "arm_payment_change_notice", "cited_paragraph": "12 CFR 1026.20(c)(2)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-01-30", "due_date": "2026-02-04", "action_date": "2026-01-30", "state": "met", "first_adjusted_payment_date": "2026-03-01", "window_start_date": null, "window_variant": "estimated_rate_consummation_case" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "arm-initial-210-240-met", "note": "Initial rate adjustment notice inside the 210-240 day window.", "golden_hash": "334bc2529a918373a9b0cb2b79e21e63d716efbcbcc2b149a891d5474f023062", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.20-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8", "derivation": "First adjusted payment 2027-06-01: window earliest 2026-10-04 (240 days before), latest 2026-11-04 (210 days before). Disclosure 2026-10-15: MET.", "expect": { "verdict": "completed", "window_start_date": "2026-10-04", "due_date": "2026-11-04", "state": "met", "window_variant": "standard_210_240" } }, "policy_parameters": { "events": [ { "rule": "arm_initial_adjustment_notice", "trigger_date": "2026-10-15", "first_adjusted_payment_date": "2027-06-01", "consummation_date": "2026-05-01", "action_date": "2026-10-15" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "arm_initial_adjustment_notice", "cited_paragraph": "12 CFR 1026.20(d)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-15", "due_date": "2026-11-03", "action_date": "2026-10-15", "state": "met", "first_adjusted_payment_date": "2027-06-01", "consummation_date": "2026-05-01", "window_start_date": "2026-10-04", "window_variant": "standard_210_240" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "arm-initial-at-consummation-case", "note": "First adjusted payment due within 210 days of consummation: disclosure provided at consummation.", "golden_hash": "547a96352ce6b68219ba86f821c4604ed83e1b4777b2ce56b413ed2e499a391b", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1026.20-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:d4c33e29695ae80e54a7e389c1046b71c74c828d536bceca2adf4758fc1ba1a8", "derivation": "Consummation 2026-01-10, first adjusted payment 2026-06-01 (142 days, within the first 210): the window collapses to the consummation date itself. Disclosure on 2026-01-10: MET; window_variant at_consummation_disclosure_case.", "expect": { "verdict": "completed", "due_date": "2026-01-10", "window_start_date": "2026-01-10", "state": "met", "window_variant": "at_consummation_disclosure_case" } }, "policy_parameters": { "events": [ { "rule": "arm_initial_adjustment_notice", "trigger_date": "2026-01-10", "first_adjusted_payment_date": "2026-06-01", "consummation_date": "2026-01-10", "action_date": "2026-01-10" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "arm_initial_adjustment_notice", "cited_paragraph": "12 CFR 1026.20(d)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-01-10", "due_date": "2026-01-10", "action_date": "2026-01-10", "state": "met", "first_adjusted_payment_date": "2026-06-01", "consummation_date": "2026-01-10", "window_start_date": "2026-01-10", "window_variant": "at_consummation_disclosure_case" } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 1, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } }, { "name": "multi-event-mixed-basis", "note": "One run, several obligations on both day bases, each carrying its own citation and calendar assumption.", "golden_hash": "57c13d76e9dac008b8c087e56ff1396e78929a2454ebd678693dadb2a0819008", "independent_oracle": { "source": "pinned eCFR snapshots (research/clause-snapshots), SERVICING-CLAUSE-SNAPSHOT-1: research/clause-snapshots/12-CFR-1024.41-clock-excerpt-2026-10-14.txt", "source_digest": "sha256:4ba07a2cda51b672bb72e4e422fd1ac373da7ff6f56d7a9d39da62e5e294af51", "derivation": "Three events in one run: the 5-business-day error acknowledgment (business-day basis, federal-holiday calendar named), the 30-calendar-day loss-mit evaluation, and the 7-business-day payoff statement. Each obligation carries its own basis, calendar and cited_paragraph; the evidentiary block records events_computed 3 and the named calendar.", "expect": { "verdict": "completed", "events_computed": 3, "clocks_breached": 0, "rules": [ "error_acknowledgment", "loss_mit_evaluation", "payoff_statement" ], "cites": [ "12 CFR 1024.35(d)", "12 CFR 1024.41(c)(1)", "12 CFR 1026.36(c)(3)" ] } }, "policy_parameters": { "events": [ { "rule": "error_acknowledgment", "trigger_date": "2026-10-14" }, { "rule": "loss_mit_evaluation", "trigger_date": "2026-10-14", "foreclosure_sale_date": "2027-01-15" }, { "rule": "payoff_statement", "trigger_date": "2026-10-14" } ] }, "output_payload": { "verdict": "completed", "obligations": [ { "rule": "error_acknowledgment", "cited_paragraph": "12 CFR 1024.35(d)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-14", "due_date": "2026-10-21", "action_date": null, "state": "within", "days_allowed": 5 }, { "rule": "loss_mit_evaluation", "cited_paragraph": "12 CFR 1024.41(c)(1)", "basis": "calendar_days", "calendar": null, "trigger_date": "2026-10-14", "due_date": "2026-11-13", "action_date": null, "state": "within", "obligation_owed": true, "days_allowed": 30, "days_before_sale": 93 }, { "rule": "payoff_statement", "cited_paragraph": "12 CFR 1026.36(c)(3)", "basis": "business_days_excluding_legal_public_holidays_saturdays_sundays", "calendar": "us_federal_holidays_observed", "trigger_date": "2026-10-14", "due_date": "2026-10-23", "action_date": null, "state": "within", "days_allowed": 7 } ], "evidence": { "record_type": "servicing_compliance_clock", "tool_id": "733-servicing-compliance-clock", "tool_version": "1.0.0", "method": "per_rule_due_date_arithmetic_over_pinned_paragraphs", "events_computed": 3, "clocks_breached": 0, "business_day_calendar": "us_federal_holidays_observed", "computed_from": "event_dates_and_loan_values_only", "pii_carried": false, "refusal_free": true }, "manual_review_required": false } } ] }