{
  "tool_id": "733-servicing-compliance-clock",
  "note": "Reachability vectors only (kernel_generated by construction) — prove each declared refusal path fires. Conformance vectors live in 733-servicing-compliance-clock.fixtures.json.",
  "vectors": [
    {
      "name": "unknown-rule-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "payoff_statement_next_day",
            "trigger_date": "2026-10-14"
          }
        ]
      },
      "observed_flags": [
        "UNKNOWN_RULE_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "unknown_rule_id",
        "event_index": 0,
        "manual_review_required": true
      }
    },
    {
      "name": "removed-1024-39e-branch-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "covid_forbearance_request",
            "trigger_date": "2026-10-14"
          }
        ]
      },
      "observed_flags": [
        "RULE_REMOVED_BY_2025_IFR_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "rule_removed_from_regulation_by_2025_interim_final_rule",
        "event_index": 0,
        "manual_review_required": true
      }
    },
    {
      "name": "ambiguous-date-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-02-30"
          }
        ]
      },
      "observed_flags": [
        "INVALID_OR_AMBIGUOUS_DATE_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "invalid_or_ambiguous_iso_date",
        "event_index": 0,
        "manual_review_required": true
      }
    },
    {
      "name": "events-missing-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {},
      "observed_flags": [
        "EVENTS_MISSING_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "events_array_missing_or_empty",
        "manual_review_required": true
      }
    },
    {
      "name": "missing-required-date-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "fpi_initial_notice",
            "trigger_date": "2026-10-14"
          }
        ]
      },
      "observed_flags": [
        "MISSING_REQUIRED_DATE_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "missing_or_invalid_required_date_parameter",
        "event_index": 0,
        "manual_review_required": true
      }
    },
    {
      "name": "invalid-error-category-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "error_investigation",
            "trigger_date": "2026-10-14",
            "error_category": 12
          }
        ]
      },
      "observed_flags": [
        "INVALID_PARAMETER_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "invalid_error_category",
        "event_index": 0,
        "manual_review_required": true
      }
    },
    {
      "name": "events-over-bound-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          },
          {
            "rule": "error_acknowledgment",
            "trigger_date": "2026-10-14"
          }
        ]
      },
      "observed_flags": [
        "EVENTS_EXCEED_BOUNDED_32_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "events_exceed_bounded_32",
        "events_supplied": 33,
        "manual_review_required": true
      }
    },
    {
      "name": "invalid-no-duplicate-params-reaches-refusal",
      "provenance": "kernel_generated",
      "policy_parameters": {
        "events": [
          {
            "rule": "no_duplicate_processing",
            "trigger_date": "2026-10-01",
            "prior_complete_application_date": "2026-04-01"
          }
        ]
      },
      "observed_flags": [
        "INVALID_PARAMETER_REFUSED"
      ],
      "observed": {
        "verdict": "refused",
        "refused_because": "invalid_no_duplicate_parameters",
        "event_index": 0,
        "manual_review_required": true
      }
    }
  ]
}