{
  "tool_id": "733-servicing-compliance-clock",
  "kernel_id": "733-servicing-compliance-clock",
  "display_name": "Servicing Compliance Clock",
  "tool_version": "1.0.0",
  "mandate_type": "consumer_finance",
  "purpose": "Computes servicer-compliance due dates and clock states from event dates and loan values: error-resolution and information-request clocks, loss-mitigation acknowledgment and evaluation, the 37-day pre-sale boundary, the 120-day pre-foreclosure bar, no-duplicate processing, force-placed-insurance notice, reminder, cancel and refund clocks, payment-crediting and payoff-statement deadlines, and ARM notice windows with their exception branches. Every obligation carries its paragraph citation and a named business-day calendar assumption. Invalid dates, removed rule branches and over-bound event sets are refused, never computed.",
  "control_description": "Computes servicer-compliance due dates and clock states from event dates and loan values: error-resolution and information-request clocks, loss-mitigation acknowledgment and evaluation, the 37-day pre-sale boundary, the 120-day pre-foreclosure bar, no-duplicate processing, force-placed-insurance notice, reminder, cancel and refund clocks, payment-crediting and payoff-statement deadlines, and ARM notice windows with their exception branches. Every obligation carries its paragraph citation and a named business-day calendar assumption. Invalid dates, removed rule branches and over-bound event sets are refused, never computed.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:e7eac9a4322542b6e39434f60df84cdc6eb24ceee9887b282aadc16f319bb4ea",
  "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": 131,
  "source_url": "https://ainumbers.co/chaingraph/733-servicing-compliance-clock.html",
  "generated_at": "2026-10-18T19:22:00.183Z"
}