{
  "tool_id": "732-borrower-escrow-auditor",
  "kernel_id": "732-borrower-escrow-auditor",
  "display_name": "Borrower Escrow Auditor",
  "tool_version": "1.0.0",
  "mandate_type": "consumer_finance",
  "purpose": "Audits a servicer escrow accounting statement from borrower-supplied VALUES ONLY (zero PII by schema): recomputes the aggregate accounting trial running balance month by month from the stated opening balance, stated monthly escrow deposit values, and stated disbursement values, compares the servicer stated end-of-month balances line by line against the recomputation, flags each discrepant statement line with a per-line reason, checks the stated cushion against the one-sixth-of-estimated-total-annual-disbursements cap, and classifies the recomputed account as balanced, shortage, surplus, or deficiency with the corresponding remedy thresholds (50-dollar surplus refund floor conditioned on borrower currency, the courses permitted for a shortage, thresholded on one month's escrow payment). Emits stable scalar evidence fields suitable for anchored-receipt shaping downstream. Declared domain exclusions: no tax-sale scenarios, no escrowed-MSA states, values only -- identifier-like or free-text fields are refused, never echoed, and more than 12 monthly periods is refused.",
  "control_description": "Audits a servicer escrow accounting statement from borrower-supplied VALUES ONLY (zero PII by schema): recomputes the aggregate accounting trial running balance month by month from the stated opening balance, stated monthly escrow deposit values, and stated disbursement values, compares the servicer stated end-of-month balances line by line against the recomputation, flags each discrepant statement line with a per-line reason, checks the stated cushion against the one-sixth-of-estimated-total-annual-disbursements cap, and classifies the recomputed account as balanced, shortage, surplus, or deficiency with the corresponding remedy thresholds (50-dollar surplus refund floor conditioned on borrower currency, the courses permitted for a shortage, thresholded on one month's escrow payment). Emits stable scalar evidence fields suitable for anchored-receipt shaping downstream. Declared domain exclusions: no tax-sale scenarios, no escrowed-MSA states, values only -- identifier-like or free-text fields are refused, never echoed, and more than 12 monthly periods is refused.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:b9e2ac19f3a7bba67b8bef47d7c1ef77a631ed51cb3d865f9859117e790164cd",
  "trust_label": "independently verified: zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-10-18",
  "last_validated": "2026-10-18",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 130,
  "source_url": "https://ainumbers.co/chaingraph/732-borrower-escrow-auditor.html",
  "generated_at": "2026-10-18T18:12:04.439Z"
}