{
  "board-funded-loans": [
    {
      "case": "clean",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": 125000,
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "funded_principal_cents",
      "observed": 125001,
      "expected": 125000,
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing boarding lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing boarding lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": 125000,
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing boarding lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": 125000,
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "funded_principal_cents",
      "observed": 125001,
      "expected": 125001,
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "funded_principal_cents",
      "observed": 125001,
      "expected": 125001,
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing boarding lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": 125000,
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": 125000,
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing boarding lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "funded_principal_cents",
      "observed": 125000,
      "expected": 125000,
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing boarding lead",
      "write_count": 0
    }
  ],
  "verify-borrower-and-representative-access": [
    {
      "case": "clean",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": "limited-access-v3",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "representative_permission_revision",
      "observed": "limited-access-v2",
      "expected": "limited-access-v3",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing account-maintenance lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing account-maintenance lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": "limited-access-v3",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing account-maintenance lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": "limited-access-v3",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "representative_permission_revision",
      "observed": "limited-access-v2",
      "expected": "limited-access-v2",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "representative_permission_revision",
      "observed": "limited-access-v2",
      "expected": "limited-access-v2",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing account-maintenance lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": "limited-access-v3",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": "limited-access-v3",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing account-maintenance lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "representative_permission_revision",
      "observed": "limited-access-v3",
      "expected": "limited-access-v3",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing account-maintenance lead",
      "write_count": 0
    }
  ],
  "reconcile-contractual-loan-balances": [
    {
      "case": "clean",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "terms_effective_at",
      "observed": "2026-11-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Loan-account administration lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Loan-account administration lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Loan-account administration lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "terms_effective_at",
      "observed": "2026-11-01T00:00:00Z",
      "expected": "2026-11-01T00:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "terms_effective_at",
      "observed": "2026-11-01T00:00:00Z",
      "expected": "2026-11-01T00:00:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Loan-account administration lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Loan-account administration lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "terms_effective_at",
      "observed": "2026-10-01T00:00:00Z",
      "expected": "2026-10-01T00:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Loan-account administration lead",
      "write_count": 0
    }
  ],
  "deliver-account-statements-and-notices": [
    {
      "case": "clean",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": "recipient-208",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_recipient_id",
      "observed": "recipient-280",
      "expected": "recipient-208",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing communications lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing communications lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": "recipient-208",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing communications lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": "recipient-208",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_recipient_id",
      "observed": "recipient-280",
      "expected": "recipient-280",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_recipient_id",
      "observed": "recipient-280",
      "expected": "recipient-280",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing communications lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": "recipient-208",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": "recipient-208",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing communications lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_recipient_id",
      "observed": "recipient-208",
      "expected": "recipient-208",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing communications lead",
      "write_count": 0
    }
  ],
  "maintain-payment-authorization": [
    {
      "case": "clean",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": "mandate-v3",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "signed_authorization_version",
      "observed": "mandate-v2",
      "expected": "mandate-v3",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Payments authorization lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Payments authorization lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": "mandate-v3",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Payments authorization lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": "mandate-v3",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "signed_authorization_version",
      "observed": "mandate-v2",
      "expected": "mandate-v2",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "signed_authorization_version",
      "observed": "mandate-v2",
      "expected": "mandate-v2",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Payments authorization lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": "mandate-v3",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": "mandate-v3",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Payments authorization lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "signed_authorization_version",
      "observed": "mandate-v3",
      "expected": "mandate-v3",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Payments authorization lead",
      "write_count": 0
    }
  ],
  "execute-authorized-payments": [
    {
      "case": "clean",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": "2026-11-10",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "authorized_debit_date",
      "observed": "2026-11-11",
      "expected": "2026-11-10",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Payment operations lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Payment operations lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": "2026-11-10",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Payment operations lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": "2026-11-10",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "authorized_debit_date",
      "observed": "2026-11-11",
      "expected": "2026-11-11",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "authorized_debit_date",
      "observed": "2026-11-11",
      "expected": "2026-11-11",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Payment operations lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": "2026-11-10",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": "2026-11-10",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Payment operations lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "authorized_debit_date",
      "observed": "2026-11-10",
      "expected": "2026-11-10",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Payment operations lead",
      "write_count": 0
    }
  ],
  "post-and-reverse-loan-payments": [
    {
      "case": "clean",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": "TR-884",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "original_processor_trace_id",
      "observed": "TR-848",
      "expected": "TR-884",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Loan posting lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Loan posting lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": "TR-884",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Loan posting lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": "TR-884",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "original_processor_trace_id",
      "observed": "TR-848",
      "expected": "TR-848",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "original_processor_trace_id",
      "observed": "TR-848",
      "expected": "TR-848",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Loan posting lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": "TR-884",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": "TR-884",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Loan posting lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "original_processor_trace_id",
      "observed": "TR-884",
      "expected": "TR-884",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Loan posting lead",
      "write_count": 0
    }
  ],
  "resolve-payment-returns-and-retries": [
    {
      "case": "clean",
      "field": "original_return_code",
      "observed": "R01",
      "expected": "R01",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "original_return_code",
      "observed": "R02",
      "expected": "R01",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Payment exception lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "original_return_code",
      "observed": "R01",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Payment exception lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "original_return_code",
      "observed": "R01",
      "expected": "R01",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Payment exception lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "original_return_code",
      "observed": "R01",
      "expected": "R01",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "original_return_code",
      "observed": "R02",
      "expected": "R02",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "original_return_code",
      "observed": "R02",
      "expected": "R02",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Payment exception lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "original_return_code",
      "observed": "R01",
      "expected": "R01",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "original_return_code",
      "observed": "R01",
      "expected": "R01",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Payment exception lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "original_return_code",
      "observed": "R01",
      "expected": "R01",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Payment exception lead",
      "write_count": 0
    }
  ],
  "reconcile-servicing-cash": [
    {
      "case": "clean",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T22:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing cash reconciliation lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing cash reconciliation lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing cash reconciliation lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T22:00:00Z",
      "expected": "2026-11-10T22:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T22:00:00Z",
      "expected": "2026-11-10T22:00:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing cash reconciliation lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing cash reconciliation lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "ledger_cutoff_at",
      "observed": "2026-11-10T21:00:00Z",
      "expected": "2026-11-10T21:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing cash reconciliation lead",
      "write_count": 0
    }
  ],
  "resolve-servicing-inquiries": [
    {
      "case": "clean",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": "loan-208",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "requester_account_id",
      "observed": "loan-280",
      "expected": "loan-208",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Borrower service lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Borrower service lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": "loan-208",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Borrower service lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": "loan-208",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "requester_account_id",
      "observed": "loan-280",
      "expected": "loan-280",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "requester_account_id",
      "observed": "loan-280",
      "expected": "loan-280",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Borrower service lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": "loan-208",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": "loan-208",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Borrower service lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "requester_account_id",
      "observed": "loan-208",
      "expected": "loan-208",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Borrower service lead",
      "write_count": 0
    }
  ],
  "approve-loan-due-date-changes": [
    {
      "case": "clean",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": "2026-12-01",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_schedule_effective_date",
      "observed": "2026-11-01",
      "expected": "2026-12-01",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing schedule-change authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing schedule-change authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": "2026-12-01",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing schedule-change authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": "2026-12-01",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_schedule_effective_date",
      "observed": "2026-11-01",
      "expected": "2026-11-01",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_schedule_effective_date",
      "observed": "2026-11-01",
      "expected": "2026-11-01",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing schedule-change authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": "2026-12-01",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": "2026-12-01",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing schedule-change authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_schedule_effective_date",
      "observed": "2026-12-01",
      "expected": "2026-12-01",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing schedule-change authority",
      "write_count": 0
    }
  ],
  "calculate-dated-payoff-quotes": [
    {
      "case": "clean",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": "2026-11-13",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "payoff_good_through_date",
      "observed": "2026-11-12",
      "expected": "2026-11-13",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Payoff servicing lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Payoff servicing lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": "2026-11-13",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Payoff servicing lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": "2026-11-13",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "payoff_good_through_date",
      "observed": "2026-11-12",
      "expected": "2026-11-12",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "payoff_good_through_date",
      "observed": "2026-11-12",
      "expected": "2026-11-12",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Payoff servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": "2026-11-13",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": "2026-11-13",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Payoff servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "payoff_good_through_date",
      "observed": "2026-11-13",
      "expected": "2026-11-13",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Payoff servicing lead",
      "write_count": 0
    }
  ],
  "confirm-payoff-and-close-accounts": [
    {
      "case": "clean",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": "payoff-settled-711",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-pending-711",
      "expected": "payoff-settled-711",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing closure authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing closure authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": "payoff-settled-711",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing closure authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": "payoff-settled-711",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-pending-711",
      "expected": "payoff-pending-711",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-pending-711",
      "expected": "payoff-pending-711",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing closure authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": "payoff-settled-711",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": "payoff-settled-711",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing closure authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "qualifying_payment_receipt_id",
      "observed": "payoff-settled-711",
      "expected": "payoff-settled-711",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing closure authority",
      "write_count": 0
    }
  ],
  "complete-postfunding-loan-cancellations": [
    {
      "case": "clean",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-11T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing cancellation lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing cancellation lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing cancellation lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-11T23:00:00Z",
      "expected": "2026-11-11T23:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-11T23:00:00Z",
      "expected": "2026-11-11T23:00:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing cancellation lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing cancellation lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "cancellation_right_expires_at",
      "observed": "2026-11-12T23:00:00Z",
      "expected": "2026-11-12T23:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing cancellation lead",
      "write_count": 0
    }
  ],
  "return-borrower-credit-balances": [
    {
      "case": "clean",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": "payee-244",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_payee_id",
      "observed": "payee-424",
      "expected": "payee-244",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Borrower refund lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Borrower refund lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": "payee-244",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Borrower refund lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": "payee-244",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_payee_id",
      "observed": "payee-424",
      "expected": "payee-424",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_payee_id",
      "observed": "payee-424",
      "expected": "payee-424",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Borrower refund lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": "payee-244",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": "payee-244",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Borrower refund lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_payee_id",
      "observed": "payee-244",
      "expected": "payee-244",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Borrower refund lead",
      "write_count": 0
    }
  ],
  "resolve-dormant-borrower-property": [
    {
      "case": "clean",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": "CO",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "jurisdiction_priority_state",
      "observed": "CA",
      "expected": "CO",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Lender holder unclaimed-property authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Lender holder unclaimed-property authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": "CO",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Lender holder unclaimed-property authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": "CO",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "jurisdiction_priority_state",
      "observed": "CA",
      "expected": "CA",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "jurisdiction_priority_state",
      "observed": "CA",
      "expected": "CA",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Lender holder unclaimed-property authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": "CO",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": "CO",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Lender holder unclaimed-property authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "jurisdiction_priority_state",
      "observed": "CO",
      "expected": "CO",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Lender holder unclaimed-property authority",
      "write_count": 0
    }
  ],
  "furnish-credit-account-information": [
    {
      "case": "clean",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": "2026-04-15",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "original_delinquency_date",
      "observed": "2026-05-15",
      "expected": "2026-04-15",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Furnishing operations lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Furnishing operations lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": "2026-04-15",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Furnishing operations lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": "2026-04-15",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "original_delinquency_date",
      "observed": "2026-05-15",
      "expected": "2026-05-15",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "original_delinquency_date",
      "observed": "2026-05-15",
      "expected": "2026-05-15",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Furnishing operations lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": "2026-04-15",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": "2026-04-15",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Furnishing operations lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "original_delinquency_date",
      "observed": "2026-04-15",
      "expected": "2026-04-15",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Furnishing operations lead",
      "write_count": 0
    }
  ],
  "investigate-credit-reporting-disputes": [
    {
      "case": "clean",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": "furnishing-v14",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v13",
      "expected": "furnishing-v14",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Furnisher dispute investigator",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Furnisher dispute investigator",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": "furnishing-v14",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Furnisher dispute investigator",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": "furnishing-v14",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v13",
      "expected": "furnishing-v13",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v13",
      "expected": "furnishing-v13",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Furnisher dispute investigator",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": "furnishing-v14",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": "furnishing-v14",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Furnisher dispute investigator",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "disputed_furnishing_version",
      "observed": "furnishing-v14",
      "expected": "furnishing-v14",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Furnisher dispute investigator",
      "write_count": 0
    }
  ],
  "resolve-servicing-fraud-and-identity-theft": [
    {
      "case": "clean",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": "loan-221",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "affected_account_id",
      "observed": "loan-212",
      "expected": "loan-221",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing fraud lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing fraud lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": "loan-221",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing fraud lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": "loan-221",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "affected_account_id",
      "observed": "loan-212",
      "expected": "loan-212",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "affected_account_id",
      "observed": "loan-212",
      "expected": "loan-212",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing fraud lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": "loan-221",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": "loan-221",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing fraud lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "affected_account_id",
      "observed": "loan-221",
      "expected": "loan-221",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing fraud lead",
      "write_count": 0
    }
  ],
  "produce-identity-theft-records": [
    {
      "case": "clean",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": "transaction-901",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "requested_transaction_id",
      "observed": "transaction-910",
      "expected": "transaction-901",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Identity-theft records response lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Identity-theft records response lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": "transaction-901",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Identity-theft records response lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": "transaction-901",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "requested_transaction_id",
      "observed": "transaction-910",
      "expected": "transaction-910",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "requested_transaction_id",
      "observed": "transaction-910",
      "expected": "transaction-910",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Identity-theft records response lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": "transaction-901",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": "transaction-901",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Identity-theft records response lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "requested_transaction_id",
      "observed": "transaction-901",
      "expected": "transaction-901",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Identity-theft records response lead",
      "write_count": 0
    }
  ],
  "apply-servicing-privacy-choices": [
    {
      "case": "clean",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": "affiliate-sharing",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_privacy_scope",
      "observed": "servicing-contact",
      "expected": "affiliate-sharing",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing privacy liaison",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing privacy liaison",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": "affiliate-sharing",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing privacy liaison",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": "affiliate-sharing",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_privacy_scope",
      "observed": "servicing-contact",
      "expected": "servicing-contact",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_privacy_scope",
      "observed": "servicing-contact",
      "expected": "servicing-contact",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing privacy liaison",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": "affiliate-sharing",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": "affiliate-sharing",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing privacy liaison",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_privacy_scope",
      "observed": "affiliate-sharing",
      "expected": "affiliate-sharing",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing privacy liaison",
      "write_count": 0
    }
  ],
  "provide-accessible-servicing-communication": [
    {
      "case": "clean",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": "accessible-html",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "authorized_accessible_delivery_method",
      "observed": "standard-image-pdf",
      "expected": "accessible-html",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing accessibility lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing accessibility lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": "accessible-html",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing accessibility lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": "accessible-html",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "authorized_accessible_delivery_method",
      "observed": "standard-image-pdf",
      "expected": "standard-image-pdf",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "authorized_accessible_delivery_method",
      "observed": "standard-image-pdf",
      "expected": "standard-image-pdf",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing accessibility lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": "accessible-html",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": "accessible-html",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing accessibility lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "authorized_accessible_delivery_method",
      "observed": "accessible-html",
      "expected": "accessible-html",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing accessibility lead",
      "write_count": 0
    }
  ],
  "apply-military-servicing-protections": [
    {
      "case": "clean",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": "2026-12-12",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_service_end_date",
      "observed": "2026-11-12",
      "expected": "2026-12-12",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Military benefits authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Military benefits authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": "2026-12-12",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Military benefits authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": "2026-12-12",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_service_end_date",
      "observed": "2026-11-12",
      "expected": "2026-11-12",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_service_end_date",
      "observed": "2026-11-12",
      "expected": "2026-11-12",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Military benefits authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": "2026-12-12",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": "2026-12-12",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Military benefits authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_service_end_date",
      "observed": "2026-12-12",
      "expected": "2026-12-12",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Military benefits authority",
      "write_count": 0
    }
  ],
  "decide-hardship-assistance": [
    {
      "case": "clean",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": "loan-084",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "hardship_case_account_id",
      "observed": "loan-048",
      "expected": "loan-084",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Lender assistance decision authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Lender assistance decision authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": "loan-084",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Lender assistance decision authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": "loan-084",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "hardship_case_account_id",
      "observed": "loan-048",
      "expected": "loan-048",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "hardship_case_account_id",
      "observed": "loan-048",
      "expected": "loan-048",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Lender assistance decision authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": "loan-084",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": "loan-084",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Lender assistance decision authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "hardship_case_account_id",
      "observed": "loan-084",
      "expected": "loan-084",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Lender assistance decision authority",
      "write_count": 0
    }
  ],
  "track-arrangement-and-settlement-performance": [
    {
      "case": "clean",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": "plan-v4",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v3",
      "expected": "plan-v4",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Arrangement servicing lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Arrangement servicing lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": "plan-v4",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Arrangement servicing lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": "plan-v4",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v3",
      "expected": "plan-v3",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v3",
      "expected": "plan-v3",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Arrangement servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": "plan-v4",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": "plan-v4",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Arrangement servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "accepted_arrangement_revision",
      "observed": "plan-v4",
      "expected": "plan-v4",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Arrangement servicing lead",
      "write_count": 0
    }
  ],
  "authorize-debt-settlements": [
    {
      "case": "clean",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": 43500,
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_settlement_amount_cents",
      "observed": 45300,
      "expected": 43500,
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Settlement decision authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Settlement decision authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": 43500,
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Settlement decision authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": 43500,
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_settlement_amount_cents",
      "observed": 45300,
      "expected": 45300,
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_settlement_amount_cents",
      "observed": 45300,
      "expected": 45300,
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Settlement decision authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": 43500,
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": 43500,
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Settlement decision authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_settlement_amount_cents",
      "observed": 43500,
      "expected": 43500,
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Settlement decision authority",
      "write_count": 0
    }
  ],
  "release-eligible-collection-treatment": [
    {
      "case": "clean",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": 31,
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_days_past_due",
      "observed": 13,
      "expected": 31,
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Collection strategy operations lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Collection strategy operations lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": 31,
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Collection strategy operations lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": 31,
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_days_past_due",
      "observed": 13,
      "expected": 13,
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_days_past_due",
      "observed": 13,
      "expected": 13,
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Collection strategy operations lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": 31,
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": 31,
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Collection strategy operations lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_days_past_due",
      "observed": 31,
      "expected": 31,
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Collection strategy operations lead",
      "write_count": 0
    }
  ],
  "control-collection-communications": [
    {
      "case": "clean",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": "contact-v8",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "current_contact_consent_revision",
      "observed": "contact-v7",
      "expected": "contact-v8",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Collections contact lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Collections contact lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": "contact-v8",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Collections contact lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": "contact-v8",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "current_contact_consent_revision",
      "observed": "contact-v7",
      "expected": "contact-v7",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "current_contact_consent_revision",
      "observed": "contact-v7",
      "expected": "contact-v7",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Collections contact lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": "contact-v8",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": "contact-v8",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Collections contact lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "current_contact_consent_revision",
      "observed": "contact-v8",
      "expected": "contact-v8",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Collections contact lead",
      "write_count": 0
    }
  ],
  "validate-collection-debt-and-disputes": [
    {
      "case": "clean",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": "owner-204",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_current_creditor_id",
      "observed": "owner-240",
      "expected": "owner-204",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Collection validation authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Collection validation authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": "owner-204",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Collection validation authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": "owner-204",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_current_creditor_id",
      "observed": "owner-240",
      "expected": "owner-240",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_current_creditor_id",
      "observed": "owner-240",
      "expected": "owner-240",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Collection validation authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": "owner-204",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": "owner-204",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Collection validation authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_current_creditor_id",
      "observed": "owner-204",
      "expected": "owner-204",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Collection validation authority",
      "write_count": 0
    }
  ],
  "administer-bankruptcy-servicing-restrictions": [
    {
      "case": "clean",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": "court-7041",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "court_case_id",
      "observed": "court-7014",
      "expected": "court-7041",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Bankruptcy servicing lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Bankruptcy servicing lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": "court-7041",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Bankruptcy servicing lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": "court-7041",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "court_case_id",
      "observed": "court-7014",
      "expected": "court-7014",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "court_case_id",
      "observed": "court-7014",
      "expected": "court-7014",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Bankruptcy servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": "court-7041",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": "court-7041",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Bankruptcy servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "court_case_id",
      "observed": "court-7041",
      "expected": "court-7041",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Bankruptcy servicing lead",
      "write_count": 0
    }
  ],
  "resolve-deceased-borrower-and-estate-cases": [
    {
      "case": "clean",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": "estate-266",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_estate_case_id",
      "observed": "estate-626",
      "expected": "estate-266",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Deceased/estate servicing lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Deceased/estate servicing lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": "estate-266",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Deceased/estate servicing lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": "estate-266",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_estate_case_id",
      "observed": "estate-626",
      "expected": "estate-626",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_estate_case_id",
      "observed": "estate-626",
      "expected": "estate-626",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Deceased/estate servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": "estate-266",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": "estate-266",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Deceased/estate servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_estate_case_id",
      "observed": "estate-266",
      "expected": "estate-266",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Deceased/estate servicing lead",
      "write_count": 0
    }
  ],
  "cancel-optional-loan-products": [
    {
      "case": "clean",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": "product-114",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "optional_product_contract_id",
      "observed": "product-141",
      "expected": "product-114",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Optional-product cancellation lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Optional-product cancellation lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": "product-114",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Optional-product cancellation lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": "product-114",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "optional_product_contract_id",
      "observed": "product-141",
      "expected": "product-141",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "optional_product_contract_id",
      "observed": "product-141",
      "expected": "product-141",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Optional-product cancellation lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": "product-114",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": "product-114",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Optional-product cancellation lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "optional_product_contract_id",
      "observed": "product-114",
      "expected": "product-114",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Optional-product cancellation lead",
      "write_count": 0
    }
  ],
  "reconcile-loan-protection-benefits": [
    {
      "case": "clean",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": "claim-170",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "covered_claim_id",
      "observed": "claim-107",
      "expected": "claim-170",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Protection-claim servicing lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Protection-claim servicing lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": "claim-170",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Protection-claim servicing lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": "claim-170",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "covered_claim_id",
      "observed": "claim-107",
      "expected": "claim-107",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "covered_claim_id",
      "observed": "claim-107",
      "expected": "claim-107",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Protection-claim servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": "claim-170",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": "claim-170",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Protection-claim servicing lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "covered_claim_id",
      "observed": "claim-170",
      "expected": "claim-170",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Protection-claim servicing lead",
      "write_count": 0
    }
  ],
  "approve-loan-charge-offs": [
    {
      "case": "clean",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": "2026-10-31",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_charge_off_date",
      "observed": "2026-11-30",
      "expected": "2026-10-31",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing charge-off authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing charge-off authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": "2026-10-31",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing charge-off authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": "2026-10-31",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_charge_off_date",
      "observed": "2026-11-30",
      "expected": "2026-11-30",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_charge_off_date",
      "observed": "2026-11-30",
      "expected": "2026-11-30",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing charge-off authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": "2026-10-31",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": "2026-10-31",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing charge-off authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_charge_off_date",
      "observed": "2026-10-31",
      "expected": "2026-10-31",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing charge-off authority",
      "write_count": 0
    }
  ],
  "manage-post-charge-off-recovery": [
    {
      "case": "clean",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": "rights-v6",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v5",
      "expected": "rights-v6",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Retained recovery portfolio lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Retained recovery portfolio lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": "rights-v6",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Retained recovery portfolio lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": "rights-v6",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v5",
      "expected": "rights-v5",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v5",
      "expected": "rights-v5",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Retained recovery portfolio lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": "rights-v6",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": "rights-v6",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Retained recovery portfolio lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_residual_rights_revision",
      "observed": "rights-v6",
      "expected": "rights-v6",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Retained recovery portfolio lead",
      "write_count": 0
    }
  ],
  "manage-external-collection-placements": [
    {
      "case": "clean",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": "agency-414",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "authorized_collection_agency_id",
      "observed": "agency-441",
      "expected": "agency-414",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Collection placement lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Collection placement lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": "agency-414",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Collection placement lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": "agency-414",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "authorized_collection_agency_id",
      "observed": "agency-441",
      "expected": "agency-441",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "authorized_collection_agency_id",
      "observed": "agency-441",
      "expected": "agency-441",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Collection placement lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": "agency-414",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": "agency-414",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Collection placement lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "authorized_collection_agency_id",
      "observed": "agency-414",
      "expected": "agency-414",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Collection placement lead",
      "write_count": 0
    }
  ],
  "authorize-legal-recovery": [
    {
      "case": "clean",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": "holder-341",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_title_holder_id",
      "observed": "holder-314",
      "expected": "holder-341",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Lender legal-recovery authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Lender legal-recovery authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": "holder-341",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Lender legal-recovery authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": "holder-341",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_title_holder_id",
      "observed": "holder-314",
      "expected": "holder-314",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_title_holder_id",
      "observed": "holder-314",
      "expected": "holder-314",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Lender legal-recovery authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": "holder-341",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": "holder-341",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Lender legal-recovery authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_title_holder_id",
      "observed": "holder-341",
      "expected": "holder-341",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Lender legal-recovery authority",
      "write_count": 0
    }
  ],
  "execute-authorized-debt-transfers": [
    {
      "case": "clean",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": "pool-v3",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v2",
      "expected": "pool-v3",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing debt-transfer lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing debt-transfer lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": "pool-v3",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing debt-transfer lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": "pool-v3",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v2",
      "expected": "pool-v2",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v2",
      "expected": "pool-v2",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing debt-transfer lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": "pool-v3",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": "pool-v3",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing debt-transfer lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_transfer_scope_version",
      "observed": "pool-v3",
      "expected": "pool-v3",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing debt-transfer lead",
      "write_count": 0
    }
  ],
  "reconcile-and-remit-loan-owner-proceeds": [
    {
      "case": "clean",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": "owner-216",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-261",
      "expected": "owner-216",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing remittance lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing remittance lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": "owner-216",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing remittance lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": "owner-216",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-261",
      "expected": "owner-261",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-261",
      "expected": "owner-261",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing remittance lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": "owner-216",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": "owner-216",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing remittance lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_proceeds_owner_id",
      "observed": "owner-216",
      "expected": "owner-216",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing remittance lead",
      "write_count": 0
    }
  ],
  "deliver-contractual-servicing-reports": [
    {
      "case": "clean",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": "recipient-302",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-320",
      "expected": "recipient-302",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing reporting authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing reporting authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": "recipient-302",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing reporting authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": "recipient-302",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-320",
      "expected": "recipient-320",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-320",
      "expected": "recipient-320",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing reporting authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": "recipient-302",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": "recipient-302",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing reporting authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "authorized_report_recipient_id",
      "observed": "recipient-302",
      "expected": "recipient-302",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing reporting authority",
      "write_count": 0
    }
  ],
  "substantiate-debt-cancellation-tax-events": [
    {
      "case": "clean",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": "approved-reportable-event",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_cancellation_event_type",
      "observed": "charge-off-only",
      "expected": "approved-reportable-event",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing tax-reporting liaison",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing tax-reporting liaison",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": "approved-reportable-event",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing tax-reporting liaison",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": "approved-reportable-event",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_cancellation_event_type",
      "observed": "charge-off-only",
      "expected": "charge-off-only",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_cancellation_event_type",
      "observed": "charge-off-only",
      "expected": "charge-off-only",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing tax-reporting liaison",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": "approved-reportable-event",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": "approved-reportable-event",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing tax-reporting liaison",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_cancellation_event_type",
      "observed": "approved-reportable-event",
      "expected": "approved-reportable-event",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing tax-reporting liaison",
      "write_count": 0
    }
  ],
  "maintain-servicing-records-and-custody": [
    {
      "case": "clean",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": "custody-v7",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "controlled_custody_record_version",
      "observed": "custody-v6",
      "expected": "custody-v7",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing records custodian",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing records custodian",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": "custody-v7",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing records custodian",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": "custody-v7",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "controlled_custody_record_version",
      "observed": "custody-v6",
      "expected": "custody-v6",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "controlled_custody_record_version",
      "observed": "custody-v6",
      "expected": "custody-v6",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing records custodian",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": "custody-v7",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": "custody-v7",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing records custodian",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "controlled_custody_record_version",
      "observed": "custody-v7",
      "expected": "custody-v7",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing records custodian",
      "write_count": 0
    }
  ],
  "produce-authorized-servicing-records": [
    {
      "case": "clean",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": "case-761-approved-subset",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_record_release_scope",
      "observed": "case-761-full-file",
      "expected": "case-761-approved-subset",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing records response lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing records response lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": "case-761-approved-subset",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing records response lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": "case-761-approved-subset",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_record_release_scope",
      "observed": "case-761-full-file",
      "expected": "case-761-full-file",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_record_release_scope",
      "observed": "case-761-full-file",
      "expected": "case-761-full-file",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing records response lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": "case-761-approved-subset",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": "case-761-approved-subset",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing records response lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_record_release_scope",
      "observed": "case-761-approved-subset",
      "expected": "case-761-approved-subset",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing records response lead",
      "write_count": 0
    }
  ],
  "retain-and-dispose-servicing-evidence": [
    {
      "case": "clean",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": "hold-released",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "current_legal_hold_state",
      "observed": "hold-active",
      "expected": "hold-released",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing retention owner",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing retention owner",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": "hold-released",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing retention owner",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": "hold-released",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "current_legal_hold_state",
      "observed": "hold-active",
      "expected": "hold-active",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "current_legal_hold_state",
      "observed": "hold-active",
      "expected": "hold-active",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing retention owner",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": "hold-released",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": "hold-released",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing retention owner",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "current_legal_hold_state",
      "observed": "hold-released",
      "expected": "hold-released",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing retention owner",
      "write_count": 0
    }
  ],
  "release-servicing-policies-and-authorities": [
    {
      "case": "clean",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-09T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing policy/change authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing policy/change authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing policy/change authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-09T13:00:00Z",
      "expected": "2026-11-09T13:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-09T13:00:00Z",
      "expected": "2026-11-09T13:00:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing policy/change authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing policy/change authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "authorized_policy_effective_at",
      "observed": "2026-11-10T13:00:00Z",
      "expected": "2026-11-10T13:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing policy/change authority",
      "write_count": 0
    }
  ],
  "remediate-systemic-servicing-errors": [
    {
      "case": "clean",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": "population-digest-72",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "affected_case_population_digest",
      "observed": "population-digest-27",
      "expected": "population-digest-72",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing control/remediation authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing control/remediation authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": "population-digest-72",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing control/remediation authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": "population-digest-72",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "affected_case_population_digest",
      "observed": "population-digest-27",
      "expected": "population-digest-27",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "affected_case_population_digest",
      "observed": "population-digest-27",
      "expected": "population-digest-27",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing control/remediation authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": "population-digest-72",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": "population-digest-72",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing control/remediation authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "affected_case_population_digest",
      "observed": "population-digest-72",
      "expected": "population-digest-72",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing control/remediation authority",
      "write_count": 0
    }
  ],
  "validate-servicing-provider-readiness": [
    {
      "case": "clean",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": "delegation-v5",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v4",
      "expected": "delegation-v5",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing provider relationship authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing provider relationship authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": "delegation-v5",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing provider relationship authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": "delegation-v5",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v4",
      "expected": "delegation-v4",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v4",
      "expected": "delegation-v4",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing provider relationship authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": "delegation-v5",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": "delegation-v5",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing provider relationship authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "delegated_provider_scope_version",
      "observed": "delegation-v5",
      "expected": "delegation-v5",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing provider relationship authority",
      "write_count": 0
    }
  ],
  "verify-servicing-staff-readiness": [
    {
      "case": "clean",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": "recovery-training-v6",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v5",
      "expected": "recovery-training-v6",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing operations readiness lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing operations readiness lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": "recovery-training-v6",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing operations readiness lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": "recovery-training-v6",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v5",
      "expected": "recovery-training-v5",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v5",
      "expected": "recovery-training-v5",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing operations readiness lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": "recovery-training-v6",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": "recovery-training-v6",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing operations readiness lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "completed_role_training_version",
      "observed": "recovery-training-v6",
      "expected": "recovery-training-v6",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing operations readiness lead",
      "write_count": 0
    }
  ],
  "verify-backup-servicer-readiness": [
    {
      "case": "clean",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": "takeover-sample-31",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-13",
      "expected": "takeover-sample-31",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Contracted backup-servicer readiness authority. primary servicing data owner retains source repair",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Contracted backup-servicer readiness authority. primary servicing data owner retains source repair",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": "takeover-sample-31",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Contracted backup-servicer readiness authority. primary servicing data owner retains source repair",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": "takeover-sample-31",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-13",
      "expected": "takeover-sample-13",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-13",
      "expected": "takeover-sample-13",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Contracted backup-servicer readiness authority. primary servicing data owner retains source repair",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": "takeover-sample-31",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": "takeover-sample-31",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Contracted backup-servicer readiness authority. primary servicing data owner retains source repair",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_takeover_sample_digest",
      "observed": "takeover-sample-31",
      "expected": "takeover-sample-31",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Contracted backup-servicer readiness authority. primary servicing data owner retains source repair",
      "write_count": 0
    }
  ],
  "restore-interrupted-servicing": [
    {
      "case": "clean",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": "snapshot-182",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-128",
      "expected": "snapshot-182",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing continuity lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing continuity lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": "snapshot-182",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing continuity lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": "snapshot-182",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-128",
      "expected": "snapshot-128",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-128",
      "expected": "snapshot-128",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing continuity lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": "snapshot-182",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": "snapshot-182",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing continuity lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_restored_backup_revision",
      "observed": "snapshot-182",
      "expected": "snapshot-182",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing continuity lead",
      "write_count": 0
    }
  ],
  "transfer-servicing-to-an-authorized-successor": [
    {
      "case": "clean",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-11-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing transition authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing transition authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing transition authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-11-01T14:00:00Z",
      "expected": "2026-11-01T14:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-11-01T14:00:00Z",
      "expected": "2026-11-01T14:00:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing transition authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing transition authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "actual_receiver_assumption_effective_at",
      "observed": "2026-12-01T14:00:00Z",
      "expected": "2026-12-01T14:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing transition authority",
      "write_count": 0
    }
  ],
  "control-servicing-system-access": [
    {
      "case": "clean",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": "servicing-read-only-v4",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "approved_access_scope_version",
      "observed": "servicing-admin-v4",
      "expected": "servicing-read-only-v4",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing system/data owner",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing system/data owner",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": "servicing-read-only-v4",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing system/data owner",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": "servicing-read-only-v4",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "approved_access_scope_version",
      "observed": "servicing-admin-v4",
      "expected": "servicing-admin-v4",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "approved_access_scope_version",
      "observed": "servicing-admin-v4",
      "expected": "servicing-admin-v4",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing system/data owner",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": "servicing-read-only-v4",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": "servicing-read-only-v4",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing system/data owner",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "approved_access_scope_version",
      "observed": "servicing-read-only-v4",
      "expected": "servicing-read-only-v4",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing system/data owner",
      "write_count": 0
    }
  ],
  "recover-from-servicing-security-incidents": [
    {
      "case": "clean",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T17:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing security-incident lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing security-incident lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing security-incident lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T17:32:00Z",
      "expected": "2026-11-10T17:32:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T17:32:00Z",
      "expected": "2026-11-10T17:32:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing security-incident lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing security-incident lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "confirmed_incident_discovery_at",
      "observed": "2026-11-10T14:32:00Z",
      "expected": "2026-11-10T14:32:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing security-incident lead",
      "write_count": 0
    }
  ],
  "restrict-sanctioned-loan-payments": [
    {
      "case": "clean",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": "restriction-v9",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v8",
      "expected": "restriction-v9",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing restricted-payment lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing restricted-payment lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": "restriction-v9",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing restricted-payment lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": "restriction-v9",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v8",
      "expected": "restriction-v8",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v8",
      "expected": "restriction-v8",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing restricted-payment lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": "restriction-v9",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": "restriction-v9",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing restricted-payment lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "operative_restriction_authority_version",
      "observed": "restriction-v9",
      "expected": "restriction-v9",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing restricted-payment lead",
      "write_count": 0
    }
  ],
  "deliver-optional-product-disclosures": [
    {
      "case": "clean",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "verified_plan_effective_at",
      "observed": "2026-10-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Optional-product servicing disclosure lead",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Optional-product servicing disclosure lead",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Optional-product servicing disclosure lead",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "verified_plan_effective_at",
      "observed": "2026-10-08T00:00:00Z",
      "expected": "2026-10-08T00:00:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "verified_plan_effective_at",
      "observed": "2026-10-08T00:00:00Z",
      "expected": "2026-10-08T00:00:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Optional-product servicing disclosure lead",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Optional-product servicing disclosure lead",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "verified_plan_effective_at",
      "observed": "2026-11-08T00:00:00Z",
      "expected": "2026-11-08T00:00:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Optional-product servicing disclosure lead",
      "write_count": 0
    }
  ],
  "resolve-servicing-complaints": [
    {
      "case": "clean",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T18:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing complaint-response authority",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing complaint-response authority",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing complaint-response authority",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T18:12:00Z",
      "expected": "2026-11-10T18:12:00Z",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T18:12:00Z",
      "expected": "2026-11-10T18:12:00Z",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing complaint-response authority",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing complaint-response authority",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "original_inquiry_received_at",
      "observed": "2026-11-10T15:12:00Z",
      "expected": "2026-11-10T15:12:00Z",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing complaint-response authority",
      "write_count": 0
    }
  ],
  "resolve-loan-owner-servicing-instructions": [
    {
      "case": "clean",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": "direction-v6",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "actual_written_direction_revision",
      "observed": "direction-v5",
      "expected": "direction-v6",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing owner-instruction authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing owner-instruction authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": "direction-v6",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing owner-instruction authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": "direction-v6",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "actual_written_direction_revision",
      "observed": "direction-v5",
      "expected": "direction-v5",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "actual_written_direction_revision",
      "observed": "direction-v5",
      "expected": "direction-v5",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing owner-instruction authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": "direction-v6",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": "direction-v6",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing owner-instruction authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "actual_written_direction_revision",
      "observed": "direction-v6",
      "expected": "direction-v6",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing owner-instruction authority, functional reference allocation",
      "write_count": 0
    }
  ],
  "review-loan-transfer-and-pledge-proposals": [
    {
      "case": "clean",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": "pledge",
      "decision": "ready_for_review",
      "reason": "MATCHED",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "near-match",
      "field": "authorized_proposal_type",
      "observed": "servicing-transfer",
      "expected": "pledge",
      "decision": "hold",
      "reason": "FIELD_MISMATCH",
      "exception_owner": "Servicing loan-owner disposition authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "missing-evidence",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": null,
      "decision": "hold",
      "reason": "MISSING_FIELD",
      "exception_owner": "Servicing loan-owner disposition authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "wrong-account",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": "pledge",
      "decision": "hold",
      "reason": "SCOPE_MISMATCH",
      "exception_owner": "Servicing loan-owner disposition authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "identical-replay",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": "pledge",
      "decision": "duplicate",
      "reason": "IDENTICAL_REPLAY",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "corrected-revision",
      "field": "authorized_proposal_type",
      "observed": "servicing-transfer",
      "expected": "servicing-transfer",
      "decision": "ready_for_review",
      "reason": "MATCHED_CORRECTION",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "unlinked-correction",
      "field": "authorized_proposal_type",
      "observed": "servicing-transfer",
      "expected": "servicing-transfer",
      "decision": "hold",
      "reason": "UNLINKED_CORRECTION",
      "exception_owner": "Servicing loan-owner disposition authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "timeout-with-matching-receipt",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": "pledge",
      "decision": "reconciled_no_retry",
      "reason": "MATCHING_RECEIPT",
      "exception_owner": null,
      "write_count": 0
    },
    {
      "case": "timeout-with-different-receipt",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": "pledge",
      "decision": "hold",
      "reason": "RECEIPT_MISMATCH",
      "exception_owner": "Servicing loan-owner disposition authority, functional reference allocation",
      "write_count": 0
    },
    {
      "case": "timeout-without-receipt",
      "field": "authorized_proposal_type",
      "observed": "pledge",
      "expected": "pledge",
      "decision": "hold",
      "reason": "RECEIPT_UNKNOWN",
      "exception_owner": "Servicing loan-owner disposition authority, functional reference allocation",
      "write_count": 0
    }
  ]
}