{ "process_id": "FA-10", "policy_version": "synthetic-v1", "event_id": "fa-10-example-v1", "input": { "entity": "LENDER-1", "currency": "USD", "cutoff": "2026-10-31T23:59:59Z", "window_start": "2026-10-01T00:00:00Z", "applicable": true, "servicing_events": [ { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "event_id": "S1", "loan_id": "L1", "effective_date": "2026-10-30", "received_cents": 200000, "principal_cents": 50000, "interest_cents": 100000, "escrow_cents": 40000, "suspense_cents": 10000, "advance_cents": 5000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "event_id": "S2", "loan_id": "L2", "effective_date": "2026-10-31", "received_cents": 150000, "principal_cents": 30000, "interest_cents": 80000, "escrow_cents": 30000, "suspense_cents": 10000, "advance_cents": 0 } ], "control_balances": [ { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "principal_interest", "account_id": "PI-1", "account_type": "PI", "ownership_type": "custodial", "closing_cents": 260000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "escrow", "account_id": "TI-1", "account_type": "TI", "ownership_type": "custodial", "closing_cents": 70000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "suspense", "account_id": "SUSP-1", "account_type": "SUSPENSE", "ownership_type": "custodial", "closing_cents": 20000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "advance_receivable", "account_id": "ADV-GL", "account_type": "ADVANCE_RECEIVABLE", "ownership_type": "loan_receivable", "closing_cents": 5000 } ], "transfer_rows": [ { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "loan_id": "L1", "transfer_version": "X1", "acknowledged_version": "X1", "principal_cents": 50000, "interest_cents": 100000, "escrow_cents": 40000, "suspense_cents": 10000, "advance_cents": 5000, "open_item_cents": 0 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "loan_id": "L2", "transfer_version": "X1", "acknowledged_version": "X1", "principal_cents": 30000, "interest_cents": 80000, "escrow_cents": 30000, "suspense_cents": 10000, "advance_cents": 0, "open_item_cents": 0 } ], "manifest": { "servicing_events": { "as_of": "2026-10-31T23:59:59Z", "known_at": "2026-10-31T23:59:59Z", "expected_records": 2, "received_records": 2, "complete": true }, "control_balances": { "as_of": "2026-10-31T23:59:59Z", "known_at": "2026-10-31T23:59:59Z", "expected_records": 4, "received_records": 4, "complete": true }, "transfer_rows": { "as_of": "2026-10-31T23:59:59Z", "known_at": "2026-10-31T23:59:59Z", "expected_records": 2, "received_records": 2, "complete": true } } }, "expected": { "status": "ready_for_review", "eligible_servicing_events": 2, "received_cents": 350000, "component_totals_cents": { "principal_cents": 80000, "interest_cents": 180000, "escrow_cents": 70000, "suspense_cents": 20000, "advance_cents": 5000 }, "cash_actions": 0, "errors": [] }, "changes": [ { "name": "Branch disabled for a lender that performs no interim servicing", "path": [ "applicable" ], "value": false, "expected": { "status": "not_applicable", "eligible_servicing_events": 0, "cash_actions": 0 } }, { "name": "Payment components do not sum to received cash", "path": [ "servicing_events", 0, "escrow_cents" ], "value": 40001, "expected": { "status": "hold", "eligible_servicing_events": 2, "received_cents": 350000, "component_totals_cents": { "principal_cents": 80000, "interest_cents": 180000, "escrow_cents": 70001, "suspense_cents": 20000, "advance_cents": 5000 }, "cash_actions": 0, "errors": [ "S1:payment_component_sum", "escrow:control_balance_difference", "L1:transfer_component_difference:escrow_cents" ] } }, { "name": "Escrow cannot be relabeled corporate cash", "path": [ "control_balances", 1, "ownership_type" ], "value": "corporate", "expected": { "status": "hold", "eligible_servicing_events": 2, "received_cents": 350000, "component_totals_cents": { "principal_cents": 80000, "interest_cents": 180000, "escrow_cents": 70000, "suspense_cents": 20000, "advance_cents": 5000 }, "cash_actions": 0, "errors": [ "escrow:wrong_ownership_type" ] } }, { "name": "Wrong P&I versus T&I account type holds", "path": [ "control_balances", 1, "account_type" ], "value": "PI", "expected": { "status": "hold", "eligible_servicing_events": 2, "received_cents": 350000, "component_totals_cents": { "principal_cents": 80000, "interest_cents": 180000, "escrow_cents": 70000, "suspense_cents": 20000, "advance_cents": 5000 }, "cash_actions": 0, "errors": [ "escrow:wrong_account_type" ] } }, { "name": "Open transfer item remains on the schedule", "path": [ "transfer_rows", 0, "open_item_cents" ], "value": 10000, "expected": { "status": "hold", "eligible_servicing_events": 2, "received_cents": 350000, "component_totals_cents": { "principal_cents": 80000, "interest_cents": 180000, "escrow_cents": 70000, "suspense_cents": 20000, "advance_cents": 5000 }, "cash_actions": 0, "errors": [ "L1:open_transfer_item" ] } }, { "name": "Acknowledgment for old transfer version is insufficient", "path": [ "transfer_rows", 0, "acknowledged_version" ], "value": "X0", "expected": { "status": "hold", "eligible_servicing_events": 2, "received_cents": 350000, "component_totals_cents": { "principal_cents": 80000, "interest_cents": 180000, "escrow_cents": 70000, "suspense_cents": 20000, "advance_cents": 5000 }, "cash_actions": 0, "errors": [ "L1:unacknowledged_transfer_version" ] } }, { "name": "Duplicate servicing event cannot count twice", "replace_input": { "entity": "LENDER-1", "currency": "USD", "cutoff": "2026-10-31T23:59:59Z", "window_start": "2026-10-01T00:00:00Z", "applicable": true, "servicing_events": [ { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "event_id": "S1", "loan_id": "L1", "effective_date": "2026-10-30", "received_cents": 200000, "principal_cents": 50000, "interest_cents": 100000, "escrow_cents": 40000, "suspense_cents": 10000, "advance_cents": 5000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "event_id": "S2", "loan_id": "L2", "effective_date": "2026-10-31", "received_cents": 150000, "principal_cents": 30000, "interest_cents": 80000, "escrow_cents": 30000, "suspense_cents": 10000, "advance_cents": 0 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "event_id": "S1", "loan_id": "L1", "effective_date": "2026-10-30", "received_cents": 200000, "principal_cents": 50000, "interest_cents": 100000, "escrow_cents": 40000, "suspense_cents": 10000, "advance_cents": 5000 } ], "control_balances": [ { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "principal_interest", "account_id": "PI-1", "account_type": "PI", "ownership_type": "custodial", "closing_cents": 260000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "escrow", "account_id": "TI-1", "account_type": "TI", "ownership_type": "custodial", "closing_cents": 70000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "suspense", "account_id": "SUSP-1", "account_type": "SUSPENSE", "ownership_type": "custodial", "closing_cents": 20000 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "component": "advance_receivable", "account_id": "ADV-GL", "account_type": "ADVANCE_RECEIVABLE", "ownership_type": "loan_receivable", "closing_cents": 5000 } ], "transfer_rows": [ { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "loan_id": "L1", "transfer_version": "X1", "acknowledged_version": "X1", "principal_cents": 50000, "interest_cents": 100000, "escrow_cents": 40000, "suspense_cents": 10000, "advance_cents": 5000, "open_item_cents": 0 }, { "entity": "LENDER-1", "currency": "USD", "known_at": "2026-10-31T23:59:59Z", "loan_id": "L2", "transfer_version": "X1", "acknowledged_version": "X1", "principal_cents": 30000, "interest_cents": 80000, "escrow_cents": 30000, "suspense_cents": 10000, "advance_cents": 0, "open_item_cents": 0 } ], "manifest": { "servicing_events": { "as_of": "2026-10-31T23:59:59Z", "known_at": "2026-10-31T23:59:59Z", "expected_records": 3, "received_records": 3, "complete": true }, "control_balances": { "as_of": "2026-10-31T23:59:59Z", "known_at": "2026-10-31T23:59:59Z", "expected_records": 4, "received_records": 4, "complete": true }, "transfer_rows": { "as_of": "2026-10-31T23:59:59Z", "known_at": "2026-10-31T23:59:59Z", "expected_records": 2, "received_records": 2, "complete": true } } }, "expected": { "status": "hold", "errors": [ "invalid_input:event_id:duplicate_identifier" ] } }, { "name": "Missing source page is an incomplete population", "path": [ "manifest", "servicing_events", "received_records" ], "value": 0, "expected": { "status": "hold", "errors": [ "invalid_input:servicing_events:incomplete_population" ] } }, { "name": "Malformed source timestamp holds", "path": [ "manifest", "servicing_events", "known_at" ], "value": "2026-13-32T00:00:00Z", "expected": { "status": "hold", "errors": [ "invalid_input:servicing_events.known_at:invalid_utc_timestamp" ] } }, { "name": "Old source as-of cannot satisfy the declared exact cutoff", "path": [ "manifest", "servicing_events", "as_of" ], "value": "2026-10-01T00:00:00Z", "expected": { "status": "hold", "errors": [ "invalid_input:servicing_events:invalid_source_cutoff" ] } } ] }