{
  "tool_id": "art-734-force-placed-insurance-checker",
  "note": "Golden conformance vectors. Expectations hand-derived from the pinned eCFR 12 CFR 1024.37 snapshot (SERVICING-CLAUSE-SNAPSHOT-1), each date gap and pro-rata figure cross-checked at authoring time against an independent Date-object civil-day counter (a deliberately different engine from the kernel day-count arithmetic); full output_payload recorded from the kernel at authoring and hash-pinned by golden-parity.",
  "vectors": [
    {
      "name": "compliant-full-sequence",
      "note": "Compliant sequence: first notice 50 days before the charge, reminder 31 days after the first notice and 19 days before the charge, no evidence of continuous coverage; benchmark table reported values-only.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "2026-03-01 -> 2026-04-20 is 50 calendar days (>=45); 2026-04-01 -> 2026-04-20 is 19 days (>=15); 2026-03-01 -> 2026-04-01 is 31 days (>=30). Cross-checked against an independent Date-object civil-day counter.",
        "expect": {
          "verdict": "compliant",
          "first_notice_45_day_advance": "met",
          "reminder_15_days_before_charge": "met",
          "reminder_30_days_after_first_notice": "met",
          "premium_benchmark_state": "reported",
          "difference_charged_minus_quote": 600
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 1200,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "alternative_quote_amount": 600
      },
      "output_payload": {
        "verdict": "compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 31,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "met",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "reported",
          "charged_premium_amount": 1200,
          "alternative_quote_amount": 600,
          "difference_charged_minus_quote": 600,
          "ratio_charged_to_quote": 2,
          "comparison_table": [
            {
              "item": "charged_premium",
              "value": 1200
            },
            {
              "item": "borrower_alternative_quote",
              "value": 600
            },
            {
              "item": "difference_charged_minus_quote",
              "value": 600
            },
            {
              "item": "ratio_charged_to_quote",
              "value": 2
            }
          ],
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 1200,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": false
      },
      "golden_hash": "104406a472d822891c49c1d299b20c75455a9b3c200e760726881f278ab7bf72"
    },
    {
      "name": "breach-first-notice-45day",
      "note": "Charge assessed only 41 days after the first notice: the 45-day advance-notice element is breached. The 22-day first-to-reminder spacing also breaches the 30-day element; note the reminder rules (>=30 after first, >=15 before charge) algebraically imply the 45-day first-notice floor, so an element-1 breach always co-occurs with an element-3 breach.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "2026-03-10 -> 2026-04-20 is 41 calendar days (<45); 2026-03-10 -> 2026-04-01 is 22 days (<30); 2026-04-01 -> 2026-04-20 is 19 days (>=15). Cross-checked against an independent Date-object civil-day counter.",
        "expect": {
          "verdict": "non_compliant",
          "first_notice_45_day_advance": "breached",
          "reminder_15_days_before_charge": "met",
          "reminder_30_days_after_first_notice": "breached"
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-10",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 900,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "alternative_quote_amount": 300
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "breached",
            "days_between_first_notice_and_charge": 41,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "breached",
            "days_between_first_notice_and_reminder": 22,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "met",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "reported",
          "charged_premium_amount": 900,
          "alternative_quote_amount": 300,
          "difference_charged_minus_quote": 600,
          "ratio_charged_to_quote": 3,
          "comparison_table": [
            {
              "item": "charged_premium",
              "value": 900
            },
            {
              "item": "borrower_alternative_quote",
              "value": 300
            },
            {
              "item": "difference_charged_minus_quote",
              "value": 600
            },
            {
              "item": "ratio_charged_to_quote",
              "value": 3
            }
          ],
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 900,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "79e52df7a6462f9a8805d157716f5f6b386431c1872f1d3733aa66001dde0897"
    },
    {
      "name": "breach-reminder-15day-before-charge",
      "note": "Reminder delivered only 10 days before the charge: the 15-day reminder element is breached.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "2026-04-10 -> 2026-04-20 is 10 calendar days (<15); 2026-03-01 -> 2026-04-20 is 50 days (>=45); 2026-03-01 -> 2026-04-10 is 40 days (>=30).",
        "expect": {
          "verdict": "non_compliant",
          "reminder_15_days_before_charge": "breached",
          "first_notice_45_day_advance": "met",
          "reminder_30_days_after_first_notice": "met",
          "premium_benchmark_state": "refused"
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-04-10",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 900,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19"
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "breached",
            "days_between_reminder_and_charge": 10,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 40,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 900,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 900,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "fd3914570937e7cdf412eea65d6480fed2654d0ef6814707d5de037655a82451"
    },
    {
      "name": "breach-reminder-30day-after-first",
      "note": "Reminder delivered only 19 days after the first notice: the 30-day spacing element is breached.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "2026-03-01 -> 2026-03-20 is 19 calendar days (<30); 2026-03-01 -> 2026-05-01 is 61 days (>=45); 2026-03-20 -> 2026-05-01 is 42 days (>=15).",
        "expect": {
          "verdict": "non_compliant",
          "reminder_30_days_after_first_notice": "breached",
          "first_notice_45_day_advance": "met",
          "reminder_15_days_before_charge": "met"
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-03-20",
        "charge_date": "2026-05-01",
        "charged_premium_amount": 900,
        "charge_coverage_start": "2026-05-01",
        "charge_coverage_end": "2027-04-30"
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 61,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 42,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "breached",
            "days_between_first_notice_and_reminder": 19,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 900,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-05-01",
          "charged_premium_amount": 900,
          "charge_coverage_start": "2026-05-01",
          "charge_coverage_end": "2027-04-30"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "ba0ec1b41060c5c0d59c3ac496de20a63c61185d014c0710bb80b0be78a7f805"
    },
    {
      "name": "breach-charge-despite-continuous-coverage-evidence",
      "note": "Evidence of continuous compliant coverage received 2026-01-10, before the 2026-01-20 charge: the no-evidence precondition is breached; the overlapping-coverage refund is nonetheless evaluated (pro-rata 59.00 of the 365.00 annual charge over the 59-day overlap) and met on time.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Evidence 2026-01-10 <= charge 2026-01-20, so the charge was not permitted. Refund due = evidence + 15 = 2026-01-25. Overlap of [2026-01-01, 2026-12-31] with [2025-11-15, 2026-02-28] is Jan (31) + Feb (28) = 59 inclusive days of the 365-day charged period; 365 * 59 / 365 = 59.00. Cross-checked against an independent Date-object civil-day counter.",
        "expect": {
          "verdict": "non_compliant",
          "no_continuous_coverage_evidence_before_charge": "breached",
          "refund_state": "met",
          "refund_due_date": "2026-01-25",
          "pro_rata_refund_owed": 59,
          "overlapping_coverage_days": 59
        }
      },
      "policy_parameters": {
        "first_notice_date": "2025-12-01",
        "reminder_notice_date": "2026-01-02",
        "charge_date": "2026-01-20",
        "charged_premium_amount": 365,
        "charge_coverage_start": "2026-01-01",
        "charge_coverage_end": "2026-12-31",
        "evidence_of_continuous_coverage_date": "2026-01-10",
        "borrower_coverage_start": "2025-11-15",
        "borrower_coverage_end": "2026-02-28",
        "cancellation_date": "2026-01-15",
        "refund_date": "2026-01-24",
        "refund_amount": 59
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 18,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 32,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "breached",
            "evidence_date": "2026-01-10",
            "note": "evidence of continuous coverage was received by the end of the 15-day period beginning on the reminder delivery date (2026-01-17), so the charge was not permitted"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 365,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": {
          "cited_paragraph": "12 CFR 1024.37(g)",
          "requirement": "within 15 days of receiving evidence of continuous compliant coverage: cancel the force-placed insurance and refund all premium charges and related fees for any period of overlapping insurance coverage",
          "state": "met",
          "evidence_date": "2026-01-10",
          "refund_due_date": "2026-01-25",
          "days_allowed": 15,
          "charged_coverage_days": 365,
          "overlapping_coverage_days": 59,
          "pro_rata_refund_owed": 59,
          "cancellation_date": "2026-01-15",
          "refund_date": "2026-01-24",
          "refund_amount_reported": 59,
          "breach_reasons": []
        },
        "charge_summary": {
          "charge_date": "2026-01-20",
          "charged_premium_amount": 365,
          "charge_coverage_start": "2026-01-01",
          "charge_coverage_end": "2026-12-31"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "547ac3dad7142b3a127b62623d8ae8c97f57c251dd0073b51dbc32ff6bd906c0"
    },
    {
      "name": "refund-breach-late-and-short",
      "note": "Refund sent 2026-02-10 (past the 2026-01-25 due date) and short of the pro-rata amount: refund breached with both reasons.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Refund due 2026-01-25 (evidence + 15); 2026-02-10 is 16+ days late and 10.00 < 59.00 owed.",
        "expect": {
          "verdict": "non_compliant",
          "refund_state": "breached",
          "refund_due_date": "2026-01-25",
          "refund_breach_reasons": [
            "refund_after_15_day_deadline",
            "refund_below_pro_rata_amount"
          ]
        }
      },
      "policy_parameters": {
        "first_notice_date": "2025-12-01",
        "reminder_notice_date": "2026-01-02",
        "charge_date": "2026-01-20",
        "charged_premium_amount": 365,
        "charge_coverage_start": "2026-01-01",
        "charge_coverage_end": "2026-12-31",
        "evidence_of_continuous_coverage_date": "2026-01-10",
        "borrower_coverage_start": "2025-11-15",
        "borrower_coverage_end": "2026-02-28",
        "cancellation_date": "2026-02-09",
        "refund_date": "2026-02-10",
        "refund_amount": 10
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 18,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 32,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "breached",
            "evidence_date": "2026-01-10",
            "note": "evidence of continuous coverage was received by the end of the 15-day period beginning on the reminder delivery date (2026-01-17), so the charge was not permitted"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 365,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": {
          "cited_paragraph": "12 CFR 1024.37(g)",
          "requirement": "within 15 days of receiving evidence of continuous compliant coverage: cancel the force-placed insurance and refund all premium charges and related fees for any period of overlapping insurance coverage",
          "state": "breached",
          "evidence_date": "2026-01-10",
          "refund_due_date": "2026-01-25",
          "days_allowed": 15,
          "charged_coverage_days": 365,
          "overlapping_coverage_days": 59,
          "pro_rata_refund_owed": 59,
          "cancellation_date": "2026-02-09",
          "refund_date": "2026-02-10",
          "refund_amount_reported": 10,
          "breach_reasons": [
            "refund_after_15_day_deadline",
            "refund_below_pro_rata_amount"
          ]
        },
        "charge_summary": {
          "charge_date": "2026-01-20",
          "charged_premium_amount": 365,
          "charge_coverage_start": "2026-01-01",
          "charge_coverage_end": "2026-12-31"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "1661e8ef9cad4dc2d9ed04024cc20e9b075ede6b3b38790f92bf7f660dcf14a8"
    },
    {
      "name": "refund-outstanding-no-action-yet",
      "note": "Evidence received after the charge (charge permitted) but no cancellation or refund recorded: refund evaluation is outstanding, due 2026-04-16.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Evidence 2026-04-01 > charge 2026-03-20, so the charge itself was permitted. Overlap of [2026-03-20, 2027-03-19] with [2026-03-01, 2027-02-28] is 2026-03-20..2027-02-28 = 346 inclusive days (Date-object cross-check); 730 * 346 / 365 = 692.00. No alternative quote supplied, so the benchmark element refuses (missing comparison, not a sequence breach).",
        "expect": {
          "verdict": "compliant",
          "no_continuous_coverage_evidence_before_charge": "met",
          "refund_state": "outstanding",
          "refund_due_date": "2026-04-16",
          "pro_rata_refund_owed": 692,
          "premium_benchmark_state": "refused"
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-02-01",
        "reminder_notice_date": "2026-03-03",
        "charge_date": "2026-03-20",
        "charged_premium_amount": 730,
        "charge_coverage_start": "2026-03-20",
        "charge_coverage_end": "2027-03-19",
        "evidence_of_continuous_coverage_date": "2026-04-01",
        "borrower_coverage_start": "2026-03-01",
        "borrower_coverage_end": "2027-02-28"
      },
      "output_payload": {
        "verdict": "compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 47,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 17,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 30,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "evidence_date": "2026-04-01",
            "note": "evidence was received only after the evidence window closed on 2026-03-18, so the charge assessed before evidence arrived was permitted; the cancellation-and-refund clock is evaluated separately"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 730,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": {
          "cited_paragraph": "12 CFR 1024.37(g)",
          "requirement": "within 15 days of receiving evidence of continuous compliant coverage: cancel the force-placed insurance and refund all premium charges and related fees for any period of overlapping insurance coverage",
          "state": "outstanding",
          "evidence_date": "2026-04-01",
          "refund_due_date": "2026-04-16",
          "days_allowed": 15,
          "charged_coverage_days": 365,
          "overlapping_coverage_days": 346,
          "pro_rata_refund_owed": 692,
          "cancellation_date": null,
          "refund_date": null,
          "refund_amount_reported": null,
          "breach_reasons": []
        },
        "charge_summary": {
          "charge_date": "2026-03-20",
          "charged_premium_amount": 730,
          "charge_coverage_start": "2026-03-20",
          "charge_coverage_end": "2027-03-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": false
      },
      "golden_hash": "52dfab45ff97b37a3faace03222bd6c805a039aaf2a509ce2dfc82700f09e7ff"
    },
    {
      "name": "benchmark-quote-missing-refused-values-only",
      "note": "Compliant sequence with no borrower alternative quote supplied: the benchmark element refuses (alternative_quote_missing) and the node never labels the premium.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Benchmark requires alternative_quote_amount; absence is a refusal branch, never a judgement about reasonableness.",
        "expect": {
          "verdict": "compliant",
          "premium_benchmark_state": "refused",
          "premium_benchmark_refused_because": "alternative_quote_missing",
          "values_only_note_present": true
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 1500,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19"
      },
      "output_payload": {
        "verdict": "compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 31,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 1500,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 1500,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": false
      },
      "golden_hash": "fbedd46cdfe8ca1510ba32cd5afb108702e4da761b221b5f871c16cc1503d6e2"
    },
    {
      "name": "notice-content-complete-plus-first-class-mail",
      "note": "Content checklist supplied complete (all eleven items) and mail class first_class: both optional elements met.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "All eleven content items present; first_class satisfies the not-less-than-first-class mailing rule; charged 800 vs quote 850 = -50.",
        "expect": {
          "verdict": "compliant",
          "first_notice_content": "met",
          "mail_class_at_least_first_class": "met",
          "difference_charged_minus_quote": -50
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 800,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "first_notice_content_items": [
          "c2_i",
          "c2_ii",
          "c2_iii",
          "c2_iv",
          "c2_v",
          "c2_vi",
          "c2_vii",
          "c2_viii",
          "c2_ix",
          "c2_x",
          "c2_xi"
        ],
        "notice_mail_class": "first_class",
        "alternative_quote_amount": 850
      },
      "output_payload": {
        "verdict": "compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 31,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "met",
            "missing_items": [],
            "unknown_items": []
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "met",
            "mail_class": "first_class"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "met",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "reported",
          "charged_premium_amount": 800,
          "alternative_quote_amount": 850,
          "difference_charged_minus_quote": -50,
          "ratio_charged_to_quote": 0.94,
          "comparison_table": [
            {
              "item": "charged_premium",
              "value": 800
            },
            {
              "item": "borrower_alternative_quote",
              "value": 850
            },
            {
              "item": "difference_charged_minus_quote",
              "value": -50
            },
            {
              "item": "ratio_charged_to_quote",
              "value": 0.94
            }
          ],
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 800,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": false
      },
      "golden_hash": "9009dbf8eadab0e9359dcfbb60aa4c9f1ed491c6770f3345d36005be04d9f26e"
    },
    {
      "name": "notice-content-incomplete-breached",
      "note": "Content checklist missing the physical-address request item: content element breached.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "c2_iv absent from the supplied set; certified mail satisfies the mailing floor.",
        "expect": {
          "verdict": "non_compliant",
          "first_notice_content": "breached",
          "mail_class_at_least_first_class": "met",
          "missing_items": [
            "c2_iv"
          ]
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 800,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "first_notice_content_items": [
          "c2_i",
          "c2_ii",
          "c2_iii",
          "c2_v",
          "c2_vi",
          "c2_vii",
          "c2_viii",
          "c2_ix",
          "c2_x",
          "c2_xi"
        ],
        "notice_mail_class": "certified"
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 31,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "breached",
            "missing_items": [
              "c2_iv"
            ],
            "unknown_items": []
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "met",
            "mail_class": "certified"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 800,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 800,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "813f1a04b5ad1c995f7a4cf7a90b356b23030d56f74b2f5b6fa803ebb78edab5"
    },
    {
      "name": "mail-class-below-first-class-breached",
      "note": "Mailed notice recorded as other (below first-class): mailing element breached.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Only a class of mail not less than first-class satisfies the mailing rule.",
        "expect": {
          "verdict": "non_compliant",
          "mail_class_at_least_first_class": "breached"
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-03-01",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 800,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "notice_mail_class": "other"
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 50,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 31,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "note": "no evidence of continuous coverage reported as received"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "breached",
            "mail_class": "other"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 800,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": null,
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 800,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "95b2524cfe82b7caf1150ef0eddea9b275bbae485166f3ea209a01393161e165"
    },
    {
      "name": "boundary-evidence-at-window-end-breached",
      "note": "Boundary: evidence received exactly on the last day of the 15-day window beginning on the reminder delivery date (2026-04-01 + 15 = 2026-04-16) with the charge dated after it — the charge was assessed despite evidence received by the window end, so the evidence element is breached.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Window end: the 15-day period beginning on the reminder delivery date 2026-04-01 ends 2026-04-16 (reminder day is day 1; day 15 is 2026-04-16, Date-object cross-check). Evidence 2026-04-16 <= window end, so the servicer held evidence of continuous coverage when it charged on 2026-04-20 — element breached, verdict non_compliant. No alternative quote supplied, so the benchmark element refuses (missing comparison, not a sequence breach). Overlap of the charge coverage [2026-04-20, 2027-04-19] with the borrower coverage [2026-04-20, 2027-02-28] is 2026-04-20..2027-02-28 = 315 inclusive days (Date-object cross-check); 730 * 315 / 365 = 630.00 pro-rata refund owed.",
        "expect": {
          "verdict": "non_compliant",
          "no_continuous_coverage_evidence_before_charge": "breached",
          "premium_benchmark_state": "refused",
          "refund_state": "outstanding",
          "refund_due_date": "2026-05-01",
          "pro_rata_refund_owed": 630
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-02-14",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 730,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "evidence_of_continuous_coverage_date": "2026-04-16",
        "borrower_coverage_start": "2026-04-20",
        "borrower_coverage_end": "2027-02-28"
      },
      "output_payload": {
        "verdict": "non_compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 65,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 46,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "breached",
            "evidence_date": "2026-04-16",
            "note": "evidence of continuous coverage was received by the end of the 15-day period beginning on the reminder delivery date (2026-04-16), so the charge was not permitted"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 730,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": {
          "cited_paragraph": "12 CFR 1024.37(g)",
          "requirement": "within 15 days of receiving evidence of continuous compliant coverage: cancel the force-placed insurance and refund all premium charges and related fees for any period of overlapping insurance coverage",
          "state": "outstanding",
          "evidence_date": "2026-04-16",
          "refund_due_date": "2026-05-01",
          "days_allowed": 15,
          "charged_coverage_days": 365,
          "overlapping_coverage_days": 315,
          "pro_rata_refund_owed": 630,
          "cancellation_date": null,
          "refund_date": null,
          "refund_amount_reported": null,
          "breach_reasons": []
        },
        "charge_summary": {
          "charge_date": "2026-04-20",
          "charged_premium_amount": 730,
          "charge_coverage_start": "2026-04-20",
          "charge_coverage_end": "2027-04-19"
        },
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0",
          "refused": false
        },
        "manual_review_required": true
      },
      "golden_hash": "6d57408c01f6f93774f51a785ac189a99beb1da4243f6ffe3b8bd67496a6e599"
    },
    {
      "name": "boundary-evidence-window-end-plus-1d-charge-permitted",
      "note": "Boundary, one day past: the same sequence with evidence received 2026-04-17, the day after the window closed and before the 2026-04-20 charge — the authorization vested at window end, so the charge was permitted and the evidence element is met.",
      "independent_oracle": {
        "source": "pinned eCFR snapshot research/clause-snapshots/12-CFR-1024.37-ecfr-2026-10-05.txt (sha256 adee994e9b7aded5cc339fc4c5c7f5ffd159525aeb948b10958104f0dea8df94), SERVICING-CLAUSE-SNAPSHOT-1; excerpt digest sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892 registered in chaingraph/standard/clause-snapshot-registry.json",
        "derivation": "Window end 2026-04-16 (reminder 2026-04-01 + 15 days, Date-object cross-check). Evidence 2026-04-17 > window end and <= charge 2026-04-20: the charge was assessed after the evidence window closed with no evidence yet received, so it was permitted — element met, verdict compliant. No alternative quote supplied, so the benchmark element refuses (missing comparison, not a sequence breach). Overlap of the charge coverage [2026-04-20, 2027-04-19] with the borrower coverage [2026-04-20, 2027-02-28] is 2026-04-20..2027-02-28 = 315 inclusive days (Date-object cross-check); 730 * 315 / 365 = 630.00 pro-rata refund owed.",
        "expect": {
          "verdict": "compliant",
          "no_continuous_coverage_evidence_before_charge": "met",
          "premium_benchmark_state": "refused",
          "refund_state": "outstanding",
          "refund_due_date": "2026-05-02",
          "pro_rata_refund_owed": 630
        }
      },
      "policy_parameters": {
        "first_notice_date": "2026-02-14",
        "reminder_notice_date": "2026-04-01",
        "charge_date": "2026-04-20",
        "charged_premium_amount": 730,
        "charge_coverage_start": "2026-04-20",
        "charge_coverage_end": "2027-04-19",
        "evidence_of_continuous_coverage_date": "2026-04-17",
        "borrower_coverage_start": "2026-04-20",
        "borrower_coverage_end": "2027-02-28"
      },
      "output_payload": {
        "verdict": "compliant",
        "elements": [
          {
            "element_id": "first_notice_45_day_advance",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met",
            "days_between_first_notice_and_charge": 65,
            "minimum_days": 45
          },
          {
            "element_id": "reminder_15_days_before_charge",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met",
            "days_between_reminder_and_charge": 19,
            "minimum_days": 15
          },
          {
            "element_id": "reminder_30_days_after_first_notice",
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met",
            "days_between_first_notice_and_reminder": 46,
            "minimum_days": 30
          },
          {
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met",
            "evidence_date": "2026-04-17",
            "note": "evidence was received only after the evidence window closed on 2026-04-16, so the charge assessed before evidence arrived was permitted; the cancellation-and-refund clock is evaluated separately"
          },
          {
            "element_id": "first_notice_content",
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable",
            "note": "first_notice_content_items not supplied; content checklist not evaluated"
          },
          {
            "element_id": "mail_class_at_least_first_class",
            "cited_paragraph": "12 CFR 1024.37(f)",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable",
            "note": "notice_mail_class not supplied; mailing check not evaluated"
          },
          {
            "element_id": "premium_benchmark",
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "refused",
            "refused_because": "alternative_quote_missing",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
          }
        ],
        "premium_benchmark": {
          "state": "refused",
          "refused_because": "alternative_quote_missing",
          "charged_premium_amount": 730,
          "comparison_table": null,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable"
        },
        "refund_evaluation": {
          "cited_paragraph": "12 CFR 1024.37(g)",
          "requirement": "within 15 days of receiving evidence of continuous compliant coverage: cancel the force-placed insurance and refund all premium charges and related fees for any period of overlapping insurance coverage",
          "state": "outstanding",
          "evidence_date": "2026-04-17",
          "refund_due_date": "2026-05-02",
          "days_allowed": 15,
          "charged_coverage_days": 365,
          "overlapping_coverage_days": 315,
          "pro_rata_refund_owed": 630,
          "cancellation_date": null,
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