{ "file_id": "02_vertical_mortgage_loan_processing", "version": "2026.03.16", "schema_version": "2.2", "status": "Production Authority", "last_authoritative_sync": "2026-03-16", "description": "Comprehensive enumeration library for the Mortgage and Loan Processing vertical. Covers the full lifecycle of residential and commercial mortgage lending where agentic AI is actively deployed as of March 2026: origination, automated underwriting, disclosure compliance, appraisal, closing, secondary market delivery, loan servicing, loss mitigation, default and foreclosure, and regulatory reporting. Designed for use as OTel span attributes in an agentic AI SDK and as policy vocabulary in an OPA Rego GRC portal.", "vertical_metadata": { "vertical_key": "mortgage_loan_processing", "industry": "Mortgage & Loan Processing", "primary_standards": [ "MISMO v3.6.2 Reference Model (Candidate Recommendation, October 2025)", "MISMO v3.4 — Uniform Loan Application Dataset (ULAD) / Fannie Mae DU / Freddie Mac LPA", "CFPB Regulation Z / TRID — TILA-RESPA Integrated Disclosure Rule (12 CFR 1026)", "CFPB Regulation C / HMDA — Home Mortgage Disclosure Act (12 CFR 1003)", "CFPB Regulation B / ECOA — Equal Credit Opportunity Act (12 CFR 1002)", "CFPB Regulation X / RESPA — Real Estate Settlement Procedures Act (12 CFR 1024)", "CFPB Regulation X / RESPA Servicing Rule — Loss Mitigation Procedures", "Fannie Mae Selling Guide / Freddie Mac Seller/Servicer Guide", "FHFA Uniform Mortgage Data Program (UMDP) — Uniform Appraisal Dataset (UAD) v3.6", "FHA Single Family Housing Policy Handbook 4000.1", "VA Lenders Handbook (VA Pamphlet 26-7)", "USDA RD Instruction 1980-D", "MERS — Mortgage Electronic Registration System", "CFPB Circular 2022-3 — Adverse action reason codes for complex AI models" ], "primary_source_urls": [ "https://www.mismo.org/standards-resources/mismo-product/mismo-version-3.6.2-reference-model", "https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/", "https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/", "https://www.consumerfinance.gov/rules-policy/regulations/1002/", "https://ffiec.cfpb.gov/documentation/publications/loan-level-datasets/lar-data-fields", "https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/desktop-underwriter-du", "https://sf.freddiemac.com/tools-learning/loan-product-advisor/overview" ], "otel_namespace": "mortgage", "opa_namespace": "data.mortgage", "agentic_ai_deployment_context": "As of March 2026, agentic AI in mortgage and loan processing is deployed across: automated document ingestion and data extraction from URLA/1003, AUS interface orchestration (DU/LPA), TRID disclosure generation and tolerance monitoring, HMDA LAR data collection and anomaly detection, appraisal ordering and UAD data validation, closing disclosure generation and three-day waiting period enforcement, eClosing workflow orchestration, secondary market delivery data validation (ULDD), loan boarding automation, servicing payment processing, loss mitigation workflow routing, and default/foreclosure timeline management. CFPB Circular 2022-3 (2022) and ECOA Reg B apply to all automated credit decisions. Regulation C violations constitute 38% of all Federal Reserve compliance violations (2024).", "key_regulatory_risk_note": "HMDA Regulation C violations are the most-cited Federal Reserve compliance finding for three consecutive years (2022-2024). The #1 source of violations is incorrect or missing LAR data field values. Agentic AI systems generating or validating HMDA LAR entries must use the exact enumerated values defined in this library." }, "subdomains": [ { "subdomain": "Loan Application & Origination", "description": "Covers the intake, pre-qualification, application, and initial processing stages. Agentic AI performs document ingestion, data extraction from URLA Form 1003, identity verification, and application status management.", "mismo_containers": [ "LOAN", "BORROWER", "DEAL", "APPLICATION", "LOAN_APPLICATION" ], "categories": [ { "enum_name": "MortgageApplicationStatus", "label": "Mortgage Application Status", "otel_attribute": "mortgage.application.status", "opa_policy_path": "data.mortgage.application.status", "rego_input_key": "mortgage_application_status", "stability": "stable", "description": "The current stage of a mortgage loan application through the origination pipeline. Mirrors MISMO LDD ApplicationStatusType.", "permitted_values": [ "prequalification_inquiry", "preapproval_requested", "preapproval_issued", "application_started", "application_submitted", "application_incomplete_notice_sent", "processing_in_progress", "document_collection", "credit_report_ordered", "appraisal_ordered", "title_ordered", "submitted_to_underwriting", "conditional_approval", "conditional_approval_satisfied", "clear_to_close", "closing_disclosure_issued", "loan_closed", "funded", "denied", "withdrawn_by_applicant", "file_closed_incompleteness", "approved_not_accepted" ], "value_labels": { "prequalification_inquiry": "Prequalification Inquiry", "preapproval_requested": "Preapproval Requested", "preapproval_issued": "Preapproval Issued", "application_started": "Application Started", "application_submitted": "Application Submitted", "application_incomplete_notice_sent": "Application Incomplete Notice Sent", "processing_in_progress": "Processing in Progress", "document_collection": "Document Collection", "credit_report_ordered": "Credit Report Ordered", "appraisal_ordered": "Appraisal Ordered", "title_ordered": "Title Ordered", "submitted_to_underwriting": "Submitted to Underwriting", "conditional_approval": "Conditional Approval", "conditional_approval_satisfied": "Conditional Approval Satisfied", "clear_to_close": "Clear to Close", "closing_disclosure_issued": "Closing Disclosure Issued", "loan_closed": "Loan Closed", "funded": "Funded", "denied": "Denied", "withdrawn_by_applicant": "Withdrawn by Applicant", "file_closed_incompleteness": "File Closed Incompleteness", "approved_not_accepted": "Approved not Accepted" }, "regulatory_mappings": { "reg_b_ecoa": "Reg B 12 CFR 1002.9 — 30-day adverse action notification from complete application", "trid_reg_z": "Reg Z 12 CFR 1026.19(e)(1)(iii) — Loan Estimate within 3 business days of application", "hmda_reg_c": "Reg C 12 CFR 1003.4(a)(8) — Action Taken code for HMDA LAR" }, "source": "MISMO Logical Data Dictionary v3.6.2; CFPB TRID Rule; Reg B; HMDA Reg C", "source_url": "https://www.mismo.org/standards-resources/additional-tools-and-resources" }, { "enum_name": "HMDAActionTaken", "label": "HMDA Action Taken Code", "otel_attribute": "mortgage.hmda.action_taken", "opa_policy_path": "data.mortgage.hmda.action_taken", "rego_input_key": "mortgage_hmda_action_taken", "stability": "stable", "description": "Official HMDA Regulation C Action Taken codes required on the Loan Application Register (LAR). These are the exact numeric codes defined by the CFPB Filing Instructions Guide. Agentic HMDA reporting agents MUST use these exact values. Incorrect Action Taken codes are the #1 source of HMDA violations.", "permitted_values": [ "1", "2", "3", "4", "5", "6", "7", "8" ], "value_labels": { "1": "1", "2": "2", "3": "3", "4": "4", "5": "5", "6": "6", "7": "7", "8": "8" }, "code_definitions": { "1": "Loan originated", "2": "Application approved but not accepted", "3": "Application denied", "4": "Application withdrawn by applicant", "5": "File closed for incompleteness", "6": "Purchased loan", "7": "Preapproval request denied", "8": "Preapproval request approved but not accepted" }, "regulatory_mappings": { "hmda_reg_c": "12 CFR 1003.4(a)(8) — Action taken on the application or covered loan", "ffiec_2024_guide": "FFIEC 2024 Guide to HMDA Reporting: Getting It Right! — Action Taken field" }, "source": "CFPB HMDA Filing Instructions Guide 2025; FFIEC 2024 HMDA Guide", "source_url": "https://ffiec.cfpb.gov/documentation/publications/loan-level-datasets/lar-data-fields", "notes": "Use the numeric string codes exactly as defined. Do not substitute descriptive strings. CFPB validation edits will reject non-conforming values." }, { "enum_name": "HMDALoanPurpose", "label": "HMDA Loan Purpose", "otel_attribute": "mortgage.hmda.loan_purpose", "opa_policy_path": "data.mortgage.hmda.loan_purpose", "rego_input_key": "mortgage_hmda_loan_purpose", "stability": "stable", "description": "HMDA Reg C loan purpose codes for the LAR. These exact numeric codes are required.", "permitted_values": [ "1", "2", "31", "32", "4", "5" ], "value_labels": { "1": "1", "2": "2", "4": "4", "5": "5", "31": "31", "32": "32" }, "code_definitions": { "1": "Home purchase", "2": "Home improvement", "4": "Other purpose", "5": "Not applicable", "31": "Refinancing", "32": "Cash-out refinancing" }, "source": "CFPB HMDA Filing Instructions Guide 2025; 12 CFR 1003.4(a)(3)", "source_url": "https://ffiec.cfpb.gov/documentation/publications/loan-level-datasets/lar-data-fields" }, { "enum_name": "HMDALienStatus", "label": "HMDA Lien Status", "otel_attribute": "mortgage.hmda.lien_status", "opa_policy_path": "data.mortgage.hmda.lien_status", "rego_input_key": "mortgage_hmda_lien_status", "stability": "stable", "description": "HMDA lien status codes. Required on the LAR for all covered loans.", "permitted_values": [ "1", "2" ], "value_labels": { "1": "1", "2": "2" }, "code_definitions": { "1": "Secured by a first lien", "2": "Secured by a subordinate lien" }, "source": "12 CFR 1003.4(a)(14); CFPB HMDA Filing Instructions Guide 2025" }, { "enum_name": "HMDAPropertyType", "label": "HMDA Property Type", "otel_attribute": "mortgage.hmda.property_type", "opa_policy_path": "data.mortgage.hmda.property_type", "rego_input_key": "mortgage_hmda_property_type", "stability": "stable", "description": "HMDA construction method / property type codes for the LAR.", "permitted_values": [ "1", "2", "3" ], "value_labels": { "1": "1", "2": "2", "3": "3" }, "code_definitions": { "1": "Site-built", "2": "Manufactured home", "3": "Multifamily dwelling" }, "source": "12 CFR 1003.4(a)(29); CFPB HMDA Filing Instructions Guide 2025" }, { "enum_name": "HMDAReasonForDenial", "label": "HMDA Reason for Denial", "otel_attribute": "mortgage.hmda.denial_reason", "opa_policy_path": "data.mortgage.hmda.denial_reason", "rego_input_key": "mortgage_hmda_denial_reason", "stability": "stable", "description": "HMDA denial reason codes. Up to four reasons required when action_taken = 3 (denied) or 7 (preapproval denied). These are the exact numeric codes from the CFPB Filing Instructions Guide. Also required by ECOA Reg B adverse action notice.", "permitted_values": [ "1", "2", "3", "4", "5", "6", "7", "8", "9", "10" ], "value_labels": { "1": "1", "2": "2", "3": "3", "4": "4", "5": "5", "6": "6", "7": "7", "8": "8", "9": "9", "10": "10" }, "code_definitions": { "1": "Debt-to-income ratio", "2": "Employment history", "3": "Credit history", "4": "Collateral", "5": "Insufficient cash (downpayment, closing costs)", "6": "Unverifiable information", "7": "Credit application incomplete", "8": "Mortgage insurance denied", "9": "Other", "10": "Not applicable" }, "regulatory_mappings": { "hmda_reg_c": "12 CFR 1003.4(a)(16) — Reasons for denial", "ecoa_reg_b": "12 CFR 1002.9(b)(2) — Specific reasons for adverse action", "cfpb_circular_2022_3": "CFPB Circular 2022-3 — Adverse action reason codes required for algorithmic models" }, "source": "CFPB HMDA Filing Instructions Guide 2025; MISMO HMDAReasonForDenialType", "source_url": "https://modelviewers.pilotfishtechnology.com/modelviewers/MISMO/model/Format.MESSAGE.DEAL_SETS.DEAL_SET.DEALS.DEAL.LOANS.LOAN.HMDA_LOAN.HMDA_LOAN_DENIALS.HMDA_LOAN_DENIAL.HMDAReasonForDenialType.html", "notes": "CFPB Circular 2022-3 clarifies that these reason codes are required even when a complex algorithmic model produced the denial decision. The model must be able to surface the principal reasons in this standard vocabulary." }, { "enum_name": "LoanPurposeType", "label": "Loan Purpose Type", "otel_attribute": "mortgage.loan.purpose_type", "opa_policy_path": "data.mortgage.loan.purpose_type", "rego_input_key": "mortgage_loan_purpose_type", "stability": "stable", "description": "MISMO LoanPurposeType enumeration. Broader than HMDA loan purpose; used in the loan application and delivery datasets.", "permitted_values": [ "Purchase", "Refinance", "NoCashOutRefinance", "CashOutRefinance", "HomeImprovement", "ConstructionToPermanent", "Construction", "Other" ], "value_labels": { "Purchase": "Purchase", "Refinance": "Refinance", "NoCashOutRefinance": "Nocashoutrefinance", "CashOutRefinance": "Cashoutrefinance", "HomeImprovement": "Homeimprovement", "ConstructionToPermanent": "Constructiontopermanent", "Construction": "Construction", "Other": "Other" }, "source": "MISMO Logical Data Dictionary v3.6.2 — LoanPurposeType", "source_url": "https://www.mismo.org/standards-resources/mismo-product/mismo-version-3.6.2-reference-model" }, { "enum_name": "LoanProductType", "label": "Loan Product Type", "otel_attribute": "mortgage.loan.product_type", "opa_policy_path": "data.mortgage.loan.product_type", "rego_input_key": "mortgage_loan_product_type", "stability": "stable", "description": "The type of mortgage loan product. Drives GSE delivery eligibility, AUS submission routing, and TRID product disclosures.", "permitted_values": [ "Conventional", "FHA", "VA", "USDA_RuralDevelopment", "Jumbo", "HELOC", "HomeEquityLoan", "ReverseMortgage_HECM", "ConstructionLoan", "ConstructionToPermanent", "BridgeLoan", "PACE", "Other" ], "value_labels": { "Conventional": "Conventional", "FHA": "FHA", "VA": "VA", "USDA_RuralDevelopment": "USDA Rural Development", "Jumbo": "Jumbo", "HELOC": "HELOC", "HomeEquityLoan": "Home Equity Loan", "ReverseMortgage_HECM": "Reverse Mortgage HECM", "ConstructionLoan": "Construction Loan", "ConstructionToPermanent": "Construction to Permanent", "BridgeLoan": "Bridge Loan", "PACE": "PACE", "Other": "Other" }, "regulatory_mappings": { "fha": "FHA Single Family Housing Policy Handbook 4000.1", "va": "VA Lenders Handbook 26-7", "usda": "USDA RD Instruction 1980-D", "pace": "CFPB PACE Final Rule (December 2024) — Regulation Z coverage" }, "source": "MISMO LoanProgramIdentifierType; Fannie Mae Selling Guide; FHA 4000.1; VA 26-7" }, { "enum_name": "LoanIdentifierType", "label": "Loan Identifier Type", "otel_attribute": "mortgage.loan.identifier_type", "opa_policy_path": "data.mortgage.loan.identifier_type", "rego_input_key": "mortgage_loan_identifier_type", "stability": "stable", "description": "Identifier type used to correlate the same mortgage across origination, servicing, investor delivery, and regulatory reporting workflows.", "permitted_values": [ "LenderLoan", "AgencyCase", "UniversalLoanIdentifier", "ServicerLoan", "MERSMortgageIdentificationNumber", "FNMACommitmentNumber", "FHLMCLoanNumber", "InvestorLoan" ], "value_labels": { "LenderLoan": "Lender Loan", "AgencyCase": "Agency Case", "UniversalLoanIdentifier": "Universal Loan Identifier", "ServicerLoan": "Servicer Loan", "MERSMortgageIdentificationNumber": "MERS Mortgage Identification Number", "FNMACommitmentNumber": "FNMA Commitment Number", "FHLMCLoanNumber": "FHLMC Loan Number", "InvestorLoan": "Investor Loan" }, "source": "MISMO UA.01 Identifier Map; MISMO LoanIdentifierType; MERS System", "notes": "UniversalLoanIdentifier (ULI) is required for HMDA reporting under 12 CFR 1003.4(a)(1)(i). It is a 23-to-45-character string that uniquely identifies a loan application across the life of the loan." } ] }, { "subdomain": "Automated Underwriting System (AUS)", "description": "Covers AUS submission, recommendation processing, and eligibility determination. Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA) are the two primary GSE AUS platforms. Agentic AI orchestrates AUS submissions, interprets findings, and routes conditions for resolution.", "mismo_containers": [ "AUTOMATED_UNDERWRITING", "UNDERWRITING", "LOAN" ], "categories": [ { "enum_name": "AUSRecommendation", "label": "AUS Recommendation", "otel_attribute": "mortgage.aus.recommendation", "opa_policy_path": "data.mortgage.aus.recommendation", "rego_input_key": "mortgage_aus_recommendation", "stability": "stable", "description": "Terminal recommendation values returned by an Automated Underwriting System. These are the standardised MISMO values. OPA rules MUST require human underwriter review for all Refer and Refer with Caution outcomes before proceeding to commitment.", "permitted_values": [ "Approve/Eligible", "Approve/Ineligible", "Refer/Eligible", "Refer/Ineligible", "Refer with Caution/Eligible", "Refer with Caution/Ineligible", "Accept", "Caution", "Out of Scope", "Error" ], "value_labels": { "Approve/Eligible": "Approve/eligible", "Approve/Ineligible": "Approve/ineligible", "Refer/Eligible": "Refer/eligible", "Refer/Ineligible": "Refer/ineligible", "Refer with Caution/Eligible": "Refer with caution/eligible", "Refer with Caution/Ineligible": "Refer with caution/ineligible", "Accept": "Accept", "Caution": "Caution", "Out of Scope": "Out of scope", "Error": "AUS Processing Error" }, "code_definitions": { "Approve/Eligible": "DU: Loan meets Fannie Mae credit guidelines and is eligible for delivery. No manual underwrite required.", "Approve/Ineligible": "DU: Meets credit guidelines but does not meet product eligibility (e.g. loan limit). Manual review for alternative product.", "Refer/Eligible": "DU: Does not meet automated underwriting criteria; must be manually underwritten. Eligible for delivery if manual UW passes.", "Refer/Ineligible": "DU: Does not meet criteria and is not eligible. Decline or alternate product.", "Refer with Caution/Eligible": "DU: High-risk referral. Manual underwrite mandatory.", "Accept": "LPA (Freddie Mac): Meets Freddie Mac requirements.", "Caution": "LPA: Reviewed but does not qualify for automated relief; manual underwrite required.", "Out of Scope": "Transaction type is not supported by this AUS.", "Error": "AUS processing error — submission must be corrected and resubmitted." }, "regulatory_mappings": { "fnma_selling_guide": "Fannie Mae Selling Guide B3-2 — Desktop Underwriter", "fhlmc_seller_guide": "Freddie Mac Seller/Servicer Guide Chapter 5100 — Loan Product Advisor", "eu_ai_act_annex3": "EU AI Act Annex III 5(b) — AI in creditworthiness assessment: high-risk" }, "use_case": "OPA rule: require human underwriter HITL decision before any commitment issuance when aus_recommendation contains 'Refer'. Block autonomous final approval for all Refer with Caution outcomes regardless of other conditions.", "source": "MISMO Automated Underwriting Container; Fannie Mae DU Spec; Freddie Mac LPA Overview", "source_url": "https://modelviewers.pilotfishtechnology.com/modelviewers/MISMO/model/Format.MESSAGE.DEAL_SETS.DEAL_SET.DEALS.DEAL.LOANS.LOAN.UNDERWRITING.AUTOMATED_UNDERWRITINGS.AUTOMATED_UNDERWRITING.html" }, { "enum_name": "AUSSystemType", "label": "AUS System Type", "otel_attribute": "mortgage.aus.system", "opa_policy_path": "data.mortgage.aus.system", "rego_input_key": "mortgage_aus_system", "stability": "stable", "description": "The specific AUS system used for underwriting. Drives eligibility rules, finding interpretation logic, and GSE delivery requirements.", "permitted_values": [ "DesktopUnderwriter_DU", "LoanProductAdvisor_LPA", "FHA_TOTAL_Scorecard", "VA_LAPP", "USDA_GUS", "Other_Manual" ], "value_labels": { "DesktopUnderwriter_DU": "Fannie Mae Desktop Underwriter", "LoanProductAdvisor_LPA": "Freddie Mac Loan Product Advisor", "FHA_TOTAL_Scorecard": "Fha Technology Open to Approved Lenders", "VA_LAPP": "Va Lender Appraisal Processing Program", "USDA_GUS": "Usda Guaranteed Underwriting System", "Other_Manual": "Other Manual" }, "code_definitions": { "DesktopUnderwriter_DU": "Fannie Mae Desktop Underwriter — primary GSE AUS for FNMA delivery", "LoanProductAdvisor_LPA": "Freddie Mac Loan Product Advisor — primary GSE AUS for FHLMC delivery", "FHA_TOTAL_Scorecard": "FHA Technology Open to Approved Lenders — required for FHA-insured loans", "VA_LAPP": "VA Lender Appraisal Processing Program — VA-guaranteed loans", "USDA_GUS": "USDA Guaranteed Underwriting System — USDA RD guaranteed loans", "Other_Manual": "No AUS used; full manual underwrite required" }, "source": "Fannie Mae DU Spec; Freddie Mac LPA Overview; FHA 4000.1 Section II.A; VA 26-7" }, { "enum_name": "UnderwritingDecisionType", "label": "Underwriting Decision Type", "otel_attribute": "mortgage.underwriting.decision_type", "opa_policy_path": "data.mortgage.underwriting.decision_type", "rego_input_key": "mortgage_underwriting_decision_type", "stability": "stable", "description": "The final underwriting disposition. Distinct from AUS recommendation — this is the human or human-supervised final credit decision.", "permitted_values": [ "Approved", "ApprovedWithConditions", "SuspendedPendingAdditionalInformation", "Denied", "Withdrawn", "CounterOffer", "ReferredToManualUnderwriting" ], "value_labels": { "Approved": "Approved", "ApprovedWithConditions": "Approvedwithconditions", "SuspendedPendingAdditionalInformation": "Suspendedpendingadditionalinformation", "Denied": "Denied", "Withdrawn": "Withdrawn", "CounterOffer": "Counteroffer", "ReferredToManualUnderwriting": "Referredtomanualunderwriting" }, "regulatory_mappings": { "ecoa_reg_b": "12 CFR 1002.9 — Adverse action notice required within 30 days for Denied and CounterOffer", "hmda_reg_c": "12 CFR 1003.4(a)(8) — Maps to Action Taken codes 2, 3, or 4" }, "source": "MISMO UnderwritingDecisionType; CFPB Reg B" }, { "enum_name": "LoanEligibilityFlag", "label": "Loan Eligibility Flag", "otel_attribute": "mortgage.loan.eligibility_flag", "opa_policy_path": "data.mortgage.loan.eligibility_flag", "rego_input_key": "mortgage_loan_eligibility_flag", "stability": "proposed", "description": "GSE and agency eligibility flags set by agentic underwriting systems during the eligibility check phase. Multiple flags can apply to a single loan.", "permitted_values": [ "ConformingLoanLimit_Eligible", "ConformingLoanLimit_Exceeded", "HighBalanceLoan_Eligible", "SuperConforming_Eligible", "QualifiedMortgage_SafeHarbor", "QualifiedMortgage_RebuttablePresumption", "NonQualifiedMortgage", "AbilityToRepay_Verified", "FHA_Eligible", "VA_Eligible", "USDA_Eligible", "CommunityReinvestmentAct_Eligible", "AffordableHousing_Eligible", "ManufacturedHome_TitleII" ], "value_labels": { "ConformingLoanLimit_Eligible": "Conformingloanlimit Eligible", "ConformingLoanLimit_Exceeded": "Conformingloanlimit Exceeded", "HighBalanceLoan_Eligible": "Highbalanceloan Eligible", "SuperConforming_Eligible": "Superconforming Eligible", "QualifiedMortgage_SafeHarbor": "Qualifiedmortgage Safeharbor", "QualifiedMortgage_RebuttablePresumption": "Qualifiedmortgage Rebuttablepresumption", "NonQualifiedMortgage": "Nonqualifiedmortgage", "AbilityToRepay_Verified": "Abilitytorepay Verified", "FHA_Eligible": "Fha Eligible", "VA_Eligible": "Va Eligible", "USDA_Eligible": "Usda Eligible", "CommunityReinvestmentAct_Eligible": "Communityreinvestmentact Eligible", "AffordableHousing_Eligible": "Affordablehousing Eligible", "ManufacturedHome_TitleII": "Manufacturedhome Titleii" }, "regulatory_mappings": { "qm": "CFPB Ability-to-Repay / Qualified Mortgage Rule — 12 CFR 1026.43", "conforming_limit": "FHFA 2025 conforming loan limit — $806,500 baseline; $1,209,750 high-cost", "cra": "Community Reinvestment Act — 12 CFR Part 25" }, "source": "FNMA Selling Guide; Freddie Mac Seller/Servicer Guide; CFPB ATR/QM Rule; FHFA 2025 FHFA Conforming Loan Limits" } ] }, { "subdomain": "TRID Disclosure Management", "description": "Covers all TRID disclosure workflow events managed by agentic AI. TRID violations — particularly tolerances, timing, and re-disclosure triggers — are among the highest-cost mortgage compliance failures. Agentic systems generating or tracking disclosures must use these enumerations for every state transition.", "mismo_containers": [ "LOAN", "CLOSING_COST_ITEM", "INTEGRATED_DISCLOSURE" ], "categories": [ { "enum_name": "TRIDDisclosureStatus", "label": "TRID Disclosure Status", "otel_attribute": "mortgage.trid.disclosure_status", "opa_policy_path": "data.mortgage.trid.disclosure_status", "rego_input_key": "mortgage_trid_disclosure_status", "stability": "stable", "description": "The current status of the TRID disclosure workflow for a loan. Enforcing waiting periods and re-disclosure triggers is the primary agentic AI compliance risk in TRID.", "permitted_values": [ "PreApplication_NoDisclosureRequired", "ApplicationReceived_LoanEstimateDue", "LoanEstimate_Issued", "LoanEstimate_ReceivedByBorrower", "RevisedLoanEstimate_Issued", "RevisedLoanEstimate_ReceivedByBorrower", "IntentToProceed_Received", "ClosingDisclosure_DraftPending", "ClosingDisclosure_Issued", "ClosingDisclosure_ReceivedByBorrower", "ThreeBusinessDayWaitingPeriod_Active", "ThreeBusinessDayWaitingPeriod_Satisfied", "ClosingDisclosure_Revised_APRChange", "ClosingDisclosure_Revised_ProductChange", "ClosingDisclosure_Revised_PrepaymentPenaltyAdded", "Consummated", "RescissionPeriod_Active", "RescissionPeriod_Expired", "LoanCancelled" ], "value_labels": { "PreApplication_NoDisclosureRequired": "Pre-Application No Disclosure Required", "ApplicationReceived_LoanEstimateDue": "Application Received Loan Estimate Due", "LoanEstimate_Issued": "Loan Estimate Issued", "LoanEstimate_ReceivedByBorrower": "Loan Estimate Received by Borrower", "RevisedLoanEstimate_Issued": "Revised Loan Estimate Issued", "RevisedLoanEstimate_ReceivedByBorrower": "Revised Loan Estimate Received by Borrower", "IntentToProceed_Received": "Intent to Proceed Received", "ClosingDisclosure_DraftPending": "Closing Disclosure Draft Pending", "ClosingDisclosure_Issued": "Closing Disclosure Issued", "ClosingDisclosure_ReceivedByBorrower": "Closing Disclosure Received by Borrower", "ThreeBusinessDayWaitingPeriod_Active": "Three Business Day Waiting Period Active", "ThreeBusinessDayWaitingPeriod_Satisfied": "Three Business Day Waiting Period Satisfied", "ClosingDisclosure_Revised_APRChange": "Closing Disclosure Revised APR Change", "ClosingDisclosure_Revised_ProductChange": "Closing Disclosure Revised Product Change", "ClosingDisclosure_Revised_PrepaymentPenaltyAdded": "Closing Disclosure Revised Prepayment Penalty Added", "Consummated": "Consummated", "RescissionPeriod_Active": "Rescission Period Active", "RescissionPeriod_Expired": "Rescission Period Expired", "LoanCancelled": "Loan Cancelled" }, "regulatory_mappings": { "trid_reg_z_1026_19e": "12 CFR 1026.19(e) — Loan Estimate delivery within 3 business days of application", "trid_reg_z_1026_19f": "12 CFR 1026.19(f) — Closing Disclosure delivery at least 3 business days before consummation", "trid_reg_z_1026_19f2ii": "12 CFR 1026.19(f)(2)(ii) — Three triggers for new 3-day waiting period: APR change, product change, prepayment penalty added" }, "use_case": "OPA rule: block any loan closing action when trid_disclosure_status is NOT ThreeBusinessDayWaitingPeriod_Satisfied or Consummated. Block consummation within 3 business days of ClosingDisclosure_Revised_APRChange.", "source": "CFPB TRID Rule 12 CFR 1026.19; CFPB TRID FAQs", "source_url": "https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/" }, { "enum_name": "TRIDToleranceTier", "label": "TRID Tolerance Tier", "otel_attribute": "mortgage.trid.tolerance_tier", "opa_policy_path": "data.mortgage.trid.tolerance_tier", "rego_input_key": "mortgage_trid_tolerance_tier", "stability": "stable", "description": "TRID good faith tolerance tiers for closing cost items. Determines whether a fee increase from Loan Estimate to Closing Disclosure constitutes a TRID violation. Agentic closing cost validation agents must classify every fee to the correct tier.", "permitted_values": [ "ZeroTolerance", "TenPercentTolerance", "NoLimitationOnIncrease" ], "value_labels": { "ZeroTolerance": "Zerotolerance", "TenPercentTolerance": "Tenpercenttolerance", "NoLimitationOnIncrease": "Nolimitationonincrease" }, "code_definitions": { "ZeroTolerance": "Fee cannot increase at all from LE to CD. Includes: origination charges, required third-party services (if borrower uses lender-designated provider), transfer taxes, recording fees (subject to rounding rule). Violation triggers cure obligation.", "TenPercentTolerance": "Aggregate increase across all 10% tolerance items cannot exceed 10%. Includes: required third-party services (if borrower selects own provider from Written List of Service Providers), title insurance (in certain states), recording fees (if aggregated). Cure triggered if aggregate exceeds 10%.", "NoLimitationOnIncrease": "No tolerance restriction. Includes: prepaid interest, property insurance premiums, escrow reserves, optional third-party services, services not required by lender." }, "regulatory_mappings": { "trid_reg_z_1026_19e3": "12 CFR 1026.19(e)(3) — Good faith determination and tolerance tiers", "cfpb_trid_small_entity_guide": "CFPB TRID Small Entity Compliance Guide Section 7 — Good faith tolerances" }, "source": "CFPB TRID Rule 12 CFR 1026.19(e)(3); CFPB Guide to TRID Forms", "source_url": "https://files.consumerfinance.gov/f/documents/cfpb_kbyo_guide-loan-estimate-and-closing-disclosure-forms_v2.0.pdf" }, { "enum_name": "TRIDReDisclosureTrigger", "label": "TRID Re Disclosure Trigger", "otel_attribute": "mortgage.trid.redisclosure_trigger", "opa_policy_path": "data.mortgage.trid.redisclosure_trigger", "rego_input_key": "mortgage_trid_redisclosure_trigger", "stability": "stable", "description": "Valid reasons that permit or require a revised Loan Estimate or Closing Disclosure. Agentic disclosure management agents must log the specific trigger whenever a revised disclosure is issued.", "permitted_values": [ "ValidChangedCircumstance_NewInformation", "ValidChangedCircumstance_BorrowerRequestedChange", "ValidChangedCircumstance_InterestRateLockExpiration", "ValidChangedCircumstance_RuralPropertyDesignation", "ValidChangedCircumstance_Appraisal_Delay", "ValidChangedCircumstance_ConstructionLoan_Delay", "ValidChangedCircumstance_EligibilityForSpecificProgram", "ToleranceCure_ZeroTolerance", "ToleranceCure_TenPercent", "ClosingDisclosure_APRBecameInaccurate", "ClosingDisclosure_ProductChanged", "ClosingDisclosure_PrepaymentPenaltyAdded", "ClosingDisclosure_PostConsummation_Correction", "ClosingDisclosure_PostConsummation_CureOfTolerance" ], "value_labels": { "ValidChangedCircumstance_NewInformation": "Validchangedcircumstance Newinformation", "ValidChangedCircumstance_BorrowerRequestedChange": "Validchangedcircumstance Borrowerrequestedchange", "ValidChangedCircumstance_InterestRateLockExpiration": "Validchangedcircumstance Interestratelockexpiration", "ValidChangedCircumstance_RuralPropertyDesignation": "Validchangedcircumstance Ruralpropertydesignation", "ValidChangedCircumstance_Appraisal_Delay": "Validchangedcircumstance Appraisal Delay", "ValidChangedCircumstance_ConstructionLoan_Delay": "Validchangedcircumstance Constructionloan Delay", "ValidChangedCircumstance_EligibilityForSpecificProgram": "Validchangedcircumstance Eligibilityforspecificprogram", "ToleranceCure_ZeroTolerance": "Tolerancecure Zerotolerance", "ToleranceCure_TenPercent": "Tolerancecure Tenpercent", "ClosingDisclosure_APRBecameInaccurate": "Closingdisclosure Aprbecameinaccurate", "ClosingDisclosure_ProductChanged": "Closingdisclosure Productchanged", "ClosingDisclosure_PrepaymentPenaltyAdded": "Closingdisclosure Prepaymentpenaltyadded", "ClosingDisclosure_PostConsummation_Correction": "Closingdisclosure Postconsummation Correction", "ClosingDisclosure_PostConsummation_CureOfTolerance": "Closingdisclosure Postconsummation Cureoftolerance" }, "regulatory_mappings": { "trid_reg_z_1026_19e3iv": "12 CFR 1026.19(e)(3)(iv) — Valid changed circumstances permitting revised LE", "trid_reg_z_1026_19f2ii": "12 CFR 1026.19(f)(2)(ii) — Three triggers requiring revised CD with new 3-day wait" }, "source": "CFPB TRID Rule 12 CFR 1026.19; CFPB TRID FAQs (updated Jan 2025)" } ] }, { "subdomain": "Appraisal & Property Valuation", "description": "Covers the property appraisal ordering, UAD data submission, and alternative valuation workflows. Agentic AI automates appraisal ordering, tracks UAD data completeness, manages waiver eligibility, and validates appraisal data before underwriting submission.", "mismo_containers": [ "PROPERTY", "VALUATION", "APPRAISAL" ], "categories": [ { "enum_name": "AppraisalOrderStatus", "label": "Appraisal Order Status", "otel_attribute": "mortgage.appraisal.order_status", "opa_policy_path": "data.mortgage.appraisal.order_status", "rego_input_key": "mortgage_appraisal_order_status", "stability": "stable", "description": "Defines the allowed values for Appraisal Order Status in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to MISMO AppraisalStatusType; Fannie Mae Selling Guide B4-1.1 Appraisal Requirements; FHFA UAD v3.6.", "permitted_values": [ "NotOrdered", "OrderPending", "Ordered", "ScheduledWithBorrower", "InspectionComplete", "ReportInProgress", "ReportSubmitted", "UnderReview", "Accepted", "ConditionallyAccepted", "Rejected_Reconsideration_Requested", "Rejected_NewAppraisalRequired", "Waiver_Approved_PIW", "Waiver_Approved_ACE", "Waiver_Declined", "FieldReview_Ordered", "DeskReview_Ordered", "Complete" ], "value_labels": { "NotOrdered": "Not Ordered", "OrderPending": "Order Pending", "Ordered": "Ordered", "ScheduledWithBorrower": "Scheduled with Borrower", "InspectionComplete": "Inspection Complete", "ReportInProgress": "Report in Progress", "ReportSubmitted": "Report Submitted", "UnderReview": "Under Review", "Accepted": "Accepted", "ConditionallyAccepted": "Conditionally Accepted", "Rejected_Reconsideration_Requested": "Rejected Reconsideration Requested", "Rejected_NewAppraisalRequired": "Rejected New Appraisal Required", "Waiver_Approved_PIW": "Fannie Mae Property Inspection Waiver", "Waiver_Approved_ACE": "Freddie Mac Automated Collateral Evaluation", "Waiver_Declined": "Waiver Declined", "FieldReview_Ordered": "Field Review Ordered", "DeskReview_Ordered": "Desk Review Ordered", "Complete": "Complete" }, "code_definitions": { "Waiver_Approved_PIW": "Fannie Mae Property Inspection Waiver — appraisal not required", "Waiver_Approved_ACE": "Freddie Mac Automated Collateral Evaluation — appraisal not required" }, "source": "MISMO AppraisalStatusType; Fannie Mae Selling Guide B4-1.1 Appraisal Requirements; FHFA UAD v3.6" }, { "enum_name": "ValuationMethodType", "label": "Valuation Method Type", "otel_attribute": "mortgage.appraisal.valuation_method", "opa_policy_path": "data.mortgage.appraisal.valuation_method", "rego_input_key": "mortgage_appraisal_valuation_method", "stability": "stable", "description": "Defines the allowed values for Valuation Method Type in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to Fannie Mae Selling Guide; Freddie Mac Seller/Servicer Guide; FHFA UAD v3.6.", "permitted_values": [ "FullAppraisal_Interior_Exterior", "ExteriorOnly_DriveBy", "DesktopAppraisal", "HybridAppraisal", "AutomatedValuationModel_AVM", "PropertyInspectionWaiver_PIW", "AutomatedCollateralEvaluation_ACE", "BrokerPriceOpinion_BPO", "TaxAssessedValue", "ManufacturedHome_DataCollector" ], "value_labels": { "FullAppraisal_Interior_Exterior": "Fullappraisal Interior Exterior", "ExteriorOnly_DriveBy": "Exterioronly Driveby", "DesktopAppraisal": "Desktopappraisal", "HybridAppraisal": "Hybridappraisal", "AutomatedValuationModel_AVM": "Automatedvaluationmodel Avm", "PropertyInspectionWaiver_PIW": "Propertyinspectionwaiver Piw", "AutomatedCollateralEvaluation_ACE": "Automatedcollateralevaluation Ace", "BrokerPriceOpinion_BPO": "Brokerpriceopinion Bpo", "TaxAssessedValue": "Taxassessedvalue", "ManufacturedHome_DataCollector": "Manufacturedhome Datacollector" }, "regulatory_mappings": { "firrea": "FIRREA Title XI — Independence requirements for federally regulated appraisals", "fnma_selling_guide_b4": "Fannie Mae Selling Guide B4 — Appraisal Requirements", "fhfa_uad": "FHFA UAD v3.6 — Uniform Appraisal Dataset for standardised appraisal data" }, "source": "Fannie Mae Selling Guide; Freddie Mac Seller/Servicer Guide; FHFA UAD v3.6", "source_url": "https://www.mismo.org/standards-resources/residential-specifications/datasets" }, { "enum_name": "AppraisalConditionRating", "label": "Appraisal Condition Rating", "otel_attribute": "mortgage.appraisal.condition_rating", "opa_policy_path": "data.mortgage.appraisal.condition_rating", "rego_input_key": "mortgage_appraisal_condition_rating", "stability": "stable", "description": "FHFA Uniform Appraisal Dataset condition rating codes. These are the exact UAD standardised condition ratings required on all appraisals delivered to Fannie Mae and Freddie Mac.", "permitted_values": [ "C1", "C2", "C3", "C4", "C5", "C6" ], "value_labels": { "C1": "New Construction", "C2": "No Deferred Maintenance", "C3": "Adequately Maintained", "C4": "Average", "C5": "Poor Maintenance", "C6": "Severe Deferred Maintenance" }, "code_definitions": { "C1": "New construction — never occupied", "C2": "No deferred maintenance — little or no physical depreciation", "C3": "Adequately maintained — minor deferred maintenance", "C4": "Average — some deferred maintenance", "C5": "Poor maintenance — significant deferred maintenance, functional obsolescence", "C6": "Severe deferred maintenance — uninhabitable without renovation" }, "ordered": true, "value_ordinals": { "C1": 1, "C2": 2, "C3": 3, "C4": 4, "C5": 5, "C6": 6 }, "source": "FHFA Uniform Appraisal Dataset (UAD); MISMO v3.6", "source_url": "https://www.mismo.org/standards-resources/residential-specifications/datasets" }, { "enum_name": "PropertyQualityRating", "label": "Property Quality Rating", "otel_attribute": "mortgage.appraisal.quality_rating", "opa_policy_path": "data.mortgage.appraisal.quality_rating", "rego_input_key": "mortgage_appraisal_quality_rating", "stability": "stable", "description": "FHFA UAD quality rating codes. Required on all UAD-compliant appraisals.", "permitted_values": [ "Q1", "Q2", "Q3", "Q4", "Q5", "Q6" ], "value_labels": { "Q1": "Unique", "Q2": "Custom Design", "Q3": "Above Average", "Q4": "Average", "Q5": "Fair", "Q6": "Poor" }, "code_definitions": { "Q1": "Unique — one-of-a-kind design, exceptional materials", "Q2": "Custom design — superior materials and craftsmanship", "Q3": "Above average — high quality materials and construction", "Q4": "Average — standard quality, typical for market", "Q5": "Fair — below average quality, basic materials", "Q6": "Poor — minimal construction, very low quality" }, "ordered": true, "value_ordinals": { "Q1": 1, "Q2": 2, "Q3": 3, "Q4": 4, "Q5": 5, "Q6": 6 }, "source": "FHFA Uniform Appraisal Dataset (UAD); MISMO v3.6" } ] }, { "subdomain": "Closing & Settlement", "description": "Covers eClosing orchestration, settlement service provider management, title insurance, and post-closing processes. Agentic AI manages document generation, signing ceremony coordination, closing instruction delivery, and post-closing data quality checks.", "mismo_containers": [ "CLOSING_INFORMATION", "CLOSING_COST_ITEM", "ESCROW" ], "categories": [ { "enum_name": "ClosingProcessType", "label": "Closing Process Type", "otel_attribute": "mortgage.closing.process_type", "opa_policy_path": "data.mortgage.closing.process_type", "rego_input_key": "mortgage_closing_process_type", "stability": "stable", "description": "Closing workflow format used for the mortgage transaction, distinguishing wet-sign, hybrid, remote online notarisation, and fully electronic execution paths.", "permitted_values": [ "FullyPaperBased", "HybridClosing_WetSign_SomeESign", "HybridClosing_RON", "FullyElectronic_RON", "FullyElectronic_RIN", "FullyElectronic_IPEN", "MailAway" ], "value_labels": { "FullyPaperBased": "Fully Paper-Based", "HybridClosing_WetSign_SomeESign": "Hybrid Closing - Wet Sign / Some eSign", "HybridClosing_RON": "Hybrid with Remote Online Notarization", "FullyElectronic_RON": "Fully Electronic - RON", "FullyElectronic_RIN": "Fully Electronic - RIN", "FullyElectronic_IPEN": "Fully Electronic - IPEN", "MailAway": "Mail-Away" }, "code_definitions": { "HybridClosing_RON": "Hybrid with Remote Online Notarization — note and security instrument wet-signed; other docs eSigned", "FullyElectronic_RON": "Remote Online Notarization — all documents including promissory note eSigned and notarized online", "FullyElectronic_RIN": "Remote Ink-Signed Notarization — documents wet-signed remotely", "FullyElectronic_IPEN": "In-Person Electronic Notarization — eSigned in presence of notary" }, "regulatory_mappings": { "esign_act": "E-SIGN Act 15 USC 7001 — Electronic signatures in commerce", "ueta": "Uniform Electronic Transactions Act — state-level electronic transactions", "mismo_eclosing": "MISMO eMortgage Closing Specification", "state_ron_laws": "State RON enabling statutes — varies by state" }, "source": "MISMO eMortgage Closing Specification; ALTA eSigning and RON guidance" }, { "enum_name": "TitleInsuranceStatus", "label": "Title Insurance Status", "otel_attribute": "mortgage.title.insurance_status", "opa_policy_path": "data.mortgage.title.insurance_status", "rego_input_key": "mortgage_title_insurance_status", "stability": "stable", "description": "Defines the allowed values for Title Insurance Status in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to MISMO TitleType; RESPA Section 9 — prohibition on required title insurance; FHFA Attorney Opinion Letter pilot.", "permitted_values": [ "NotOrdered", "TitleSearchOrdered", "TitleSearchReceived", "CommitmentIssued", "CommitmentApproved", "ExceptionsUnresolved", "PolicyIssued_Lender", "PolicyIssued_Owner", "PolicyIssued_Both", "AtorneyOpinionLetter_Issued", "Waived_Pilot" ], "value_labels": { "NotOrdered": "Notordered", "TitleSearchOrdered": "Titlesearchordered", "TitleSearchReceived": "Titlesearchreceived", "CommitmentIssued": "Commitmentissued", "CommitmentApproved": "Commitmentapproved", "ExceptionsUnresolved": "Exceptionsunresolved", "PolicyIssued_Lender": "Policyissued Lender", "PolicyIssued_Owner": "Policyissued Owner", "PolicyIssued_Both": "Policyissued Both", "AtorneyOpinionLetter_Issued": "Fhfa / Gse Attorney Opinion Letter Pilot", "Waived_Pilot": "Waived Pilot" }, "code_definitions": { "AtorneyOpinionLetter_Issued": "FHFA / GSE attorney opinion letter pilot — alternative to traditional title insurance for eligible transactions" }, "source": "MISMO TitleType; RESPA Section 9 — prohibition on required title insurance; FHFA Attorney Opinion Letter pilot" }, { "enum_name": "FundingStatus", "label": "Funding Status", "otel_attribute": "mortgage.closing.funding_status", "opa_policy_path": "data.mortgage.closing.funding_status", "rego_input_key": "mortgage_closing_funding_status", "stability": "stable", "description": "Defines the allowed values for Funding Status in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to MISMO FundingStatusType; RESPA; Fannie Mae Selling Guide.", "permitted_values": [ "FundsNotRequested", "FundingRequested", "FundingApproved", "WireTransmitted", "FundsReceivedBySettlementAgent", "DisbursementComplete", "FundingComplete", "HoldPendingRescission", "FundingReversed" ], "value_labels": { "FundsNotRequested": "Fundsnotrequested", "FundingRequested": "Fundingrequested", "FundingApproved": "Fundingapproved", "WireTransmitted": "Wiretransmitted", "FundsReceivedBySettlementAgent": "Fundsreceivedbysettlementagent", "DisbursementComplete": "Disbursementcomplete", "FundingComplete": "Fundingcomplete", "HoldPendingRescission": "Holdpendingrescission", "FundingReversed": "Fundingreversed" }, "regulatory_mappings": { "respa_sec8": "RESPA Section 8 — prohibition on kickbacks and unearned fees at settlement", "dodd_frank_1412": "Dodd-Frank Act Section 1412 — escrow requirements" }, "source": "MISMO FundingStatusType; RESPA; Fannie Mae Selling Guide" } ] }, { "subdomain": "Secondary Market Delivery & Securitization", "description": "Covers loan delivery to GSEs (Fannie Mae, Freddie Mac), FHA/VA/USDA endorsement, and private label securitization. Agentic AI performs ULDD data quality validation, deficiency identification, and remediation routing before commitment and delivery.", "mismo_containers": [ "LOAN_DELIVERY", "INVESTOR_FEATURE", "LOAN" ], "categories": [ { "enum_name": "LoanDeliveryStatus", "label": "Loan Delivery Status", "otel_attribute": "mortgage.delivery.status", "opa_policy_path": "data.mortgage.delivery.status", "rego_input_key": "mortgage_delivery_status", "stability": "stable", "description": "Defines the allowed values for Loan Delivery Status in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to MISMO Loan Delivery Dataset (ULDD); Fannie Mae Selling Guide; Freddie Mac Seller/Servicer Guide.", "permitted_values": [ "PreDelivery_DataValidation", "Committed", "DeliveryPackageSubmitted", "EligibilityChecksPassed", "DeficiencyNoticeIssued", "DeficiencyRemediated", "PurchaseAdviceReceived", "Delivered_Funded", "Sold_SecondaryMarket", "RetainedPortfolio", "Rejected_PurchaseRefused", "Repurchase_Demanded", "Repurchase_Complete" ], "value_labels": { "PreDelivery_DataValidation": "Predelivery Datavalidation", "Committed": "Committed", "DeliveryPackageSubmitted": "Deliverypackagesubmitted", "EligibilityChecksPassed": "Eligibilitycheckspassed", "DeficiencyNoticeIssued": "Deficiencynoticeissued", "DeficiencyRemediated": "Deficiencyremediated", "PurchaseAdviceReceived": "Purchaseadvicereceived", "Delivered_Funded": "Delivered Funded", "Sold_SecondaryMarket": "Sold Secondarymarket", "RetainedPortfolio": "Retainedportfolio", "Rejected_PurchaseRefused": "Rejected Purchaserefused", "Repurchase_Demanded": "Repurchase Demanded", "Repurchase_Complete": "Repurchase Complete" }, "regulatory_mappings": { "fnma_selling_guide_a4": "Fannie Mae Selling Guide A4 — Mortgage Loan File Documentation", "fhlmc_seller_guide_ch17": "Freddie Mac Seller/Servicer Guide Chapter 17 — Whole Loan Delivery" }, "source": "MISMO Loan Delivery Dataset (ULDD); Fannie Mae Selling Guide; Freddie Mac Seller/Servicer Guide" }, { "enum_name": "RepresentationAndWarrantyRelief", "label": "Representation and Warranty Relief", "otel_attribute": "mortgage.delivery.rw_relief", "opa_policy_path": "data.mortgage.delivery.rw_relief", "rego_input_key": "mortgage_delivery_rw_relief", "stability": "stable", "description": "The level of representation and warranty relief granted by the GSE on a delivered loan. Higher relief reduces repurchase risk for lenders.", "permitted_values": [ "NoRelief_FullRepsAndWarranties", "DU_ApprovalsEligible_LimitedRelief", "LPA_Accept_QualityControlRelief", "Day1Certainty_Income", "Day1Certainty_Assets", "Day1Certainty_Employment", "Day1Certainty_PropertyValue_PIW", "ACEPlus_PDR_Relief", "FullRelief_AllComponents" ], "value_labels": { "NoRelief_FullRepsAndWarranties": "Norelief Fullrepsandwarranties", "DU_ApprovalsEligible_LimitedRelief": "Du Approvalseligible Limitedrelief", "LPA_Accept_QualityControlRelief": "Lpa Accept Qualitycontrolrelief", "Day1Certainty_Income": "Fannie Mae Day 1 Certainty", "Day1Certainty_Assets": "Day1certainty Assets", "Day1Certainty_Employment": "Day1certainty Employment", "Day1Certainty_PropertyValue_PIW": "Day1certainty Propertyvalue Piw", "ACEPlus_PDR_Relief": "Freddie Mac Ace+ Property Data Report", "FullRelief_AllComponents": "Fullrelief Allcomponents" }, "code_definitions": { "Day1Certainty_Income": "Fannie Mae Day 1 Certainty — Income validation via approved vendor; rep/warranty relief on income", "ACEPlus_PDR_Relief": "Freddie Mac ACE+ Property Data Report — collateral rep/warranty relief with third-party property data" }, "source": "Fannie Mae Day 1 Certainty Framework; Freddie Mac ACE+PDR; GSE Selling Guides" }, { "enum_name": "MortgageInsuranceCoverageType", "label": "Mortgage Insurance Coverage Type", "otel_attribute": "mortgage.mi.coverage_type", "opa_policy_path": "data.mortgage.mi.coverage_type", "rego_input_key": "mortgage_mi_coverage_type", "stability": "stable", "description": "Defines the allowed values for Mortgage Insurance Coverage Type in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to Homeowners Protection Act; FHA 4000.1; VA 26-7; MISMO MortgageInsuranceType.", "permitted_values": [ "BorrowerPaid_Monthly_BPMI", "BorrowerPaid_SinglePremium_SPMI", "LenderPaid_LPMI", "SplitPremium", "FHA_MIP_Annual", "FHA_MIP_UpfrontAndAnnual", "VA_FundingFee", "USDA_GuaranteeFee", "NoMortgageInsurance_LTV80OrBelow", "Cancelled_BorrowerInitiated", "Cancelled_Automatic_LTV78" ], "value_labels": { "BorrowerPaid_Monthly_BPMI": "Borrowerpaid Monthly Bpmi", "BorrowerPaid_SinglePremium_SPMI": "Borrowerpaid Singlepremium Spmi", "LenderPaid_LPMI": "Lenderpaid Lpmi", "SplitPremium": "Splitpremium", "FHA_MIP_Annual": "Fha Mip Annual", "FHA_MIP_UpfrontAndAnnual": "Fha Mip Upfrontandannual", "VA_FundingFee": "Va Fundingfee", "USDA_GuaranteeFee": "Usda Guaranteefee", "NoMortgageInsurance_LTV80OrBelow": "Nomortgageinsurance Ltv80orbelow", "Cancelled_BorrowerInitiated": "Cancelled Borrowerinitiated", "Cancelled_Automatic_LTV78": "Cancelled Automatic LTV78" }, "regulatory_mappings": { "homeowners_protection_act": "Homeowners Protection Act 12 USC 4901 — Automatic cancellation at 78% LTV; borrower-initiated at 80% LTV", "fha_mip": "FHA Annual MIP — varies by loan term, LTV, and loan amount", "va_funding_fee": "VA Funding Fee — varies by service type and down payment" }, "source": "Homeowners Protection Act; FHA 4000.1; VA 26-7; MISMO MortgageInsuranceType" } ] }, { "subdomain": "Loan Servicing", "description": "Covers the full servicing lifecycle after loan boarding. Agentic AI performs payment processing automation, escrow analysis, delinquency monitoring, borrower communication, and investor reporting. The MISMO Loan Boarding Dataset (LBDS) governs data standards for loan transfer and boarding.", "mismo_containers": [ "SERVICING_EVENT", "ESCROW_ITEM", "DELINQUENCY" ], "categories": [ { "enum_name": "LoanServicingStatus", "label": "Loan Servicing Status", "otel_attribute": "mortgage.servicing.status", "opa_policy_path": "data.mortgage.servicing.status", "rego_input_key": "mortgage_servicing_status", "stability": "stable", "description": "Defines the allowed values for Loan Servicing Status in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to MISMO Loan Boarding Data Segment (LBDS); CFPB Regulation X Servicing Rule; Fannie Mae Servicer Obligations.", "permitted_values": [ "Current", "30DaysDelinquent", "60DaysDelinquent", "90DaysDelinquent", "120DaysDelinquent", "In_Default", "LossMitigation_InProcess", "Forbearance_Active", "Repayment_Plan_Active", "Modification_Trial_Period", "Modification_Permanent", "Paid_Off", "REO_Acquired", "Foreclosure_Active", "Bankruptcy_Active", "Charged_Off" ], "value_labels": { "Current": "Current", "30DaysDelinquent": "30daysdelinquent", "60DaysDelinquent": "60daysdelinquent", "90DaysDelinquent": "90daysdelinquent", "120DaysDelinquent": "120daysdelinquent", "In_Default": "In Default", "LossMitigation_InProcess": "Lossmitigation Inprocess", "Forbearance_Active": "Forbearance Active", "Repayment_Plan_Active": "Repayment Plan Active", "Modification_Trial_Period": "Modification Trial Period", "Modification_Permanent": "Modification Permanent", "Paid_Off": "Paid Off", "REO_Acquired": "Reo Acquired", "Foreclosure_Active": "Foreclosure Active", "Bankruptcy_Active": "Bankruptcy Active", "Charged_Off": "Charged Off" }, "regulatory_mappings": { "respa_servicing_rule": "CFPB Regulation X 12 CFR 1024.41 — Loss mitigation procedures based on delinquency stage", "cfpb_covid_final_rule": "CFPB COVID-19 Mortgage Servicing Final Rule (2021) — additional loss mitigation requirements", "dodd_frank_1463": "Dodd-Frank Section 1463 — Force-placed insurance notice requirements" }, "source": "MISMO Loan Boarding Data Segment (LBDS); CFPB Regulation X Servicing Rule; Fannie Mae Servicer Obligations" }, { "enum_name": "PaymentTransactionType", "label": "Payment Transaction Type", "otel_attribute": "mortgage.servicing.payment_type", "opa_policy_path": "data.mortgage.servicing.payment_type", "rego_input_key": "mortgage_servicing_payment_type", "stability": "stable", "description": "Defines the allowed values for Payment Transaction Type in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to MISMO ServicingEventType; Fannie Mae Servicer Guide; Black Knight LoanSphere servicing data standards.", "permitted_values": [ "ScheduledMonthlyPayment", "CurtailmentPrincipalOnly", "EscrowShortagePayment", "LateChargePayment", "NSF_ReturnedPayment", "PayoffPayment", "EscrowAdvance_ForcedPlaced", "InsurancePremiumDisbursement", "TaxDisbursement", "LossDraftDisbursement", "BorrowerSuspenseCredit", "InvestorRemittance" ], "value_labels": { "ScheduledMonthlyPayment": "Scheduledmonthlypayment", "CurtailmentPrincipalOnly": "Curtailmentprincipalonly", "EscrowShortagePayment": "Escrowshortagepayment", "LateChargePayment": "Latechargepayment", "NSF_ReturnedPayment": "Nsf Returnedpayment", "PayoffPayment": "Payoffpayment", "EscrowAdvance_ForcedPlaced": "Escrowadvance Forcedplaced", "InsurancePremiumDisbursement": "Insurancepremiumdisbursement", "TaxDisbursement": "Taxdisbursement", "LossDraftDisbursement": "Lossdraftdisbursement", "BorrowerSuspenseCredit": "Borrowersuspensecredit", "InvestorRemittance": "Investorremittance" }, "source": "MISMO ServicingEventType; Fannie Mae Servicer Guide; Black Knight LoanSphere servicing data standards" }, { "enum_name": "EscrowAnalysisStatus", "label": "Escrow Analysis Status", "otel_attribute": "mortgage.escrow.analysis_status", "opa_policy_path": "data.mortgage.escrow.analysis_status", "rego_input_key": "mortgage_escrow_analysis_status", "stability": "stable", "description": "Defines the allowed values for Escrow Analysis Status in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to CFPB Regulation X 12 CFR 1024.17; RESPA Section 10; MISMO EscrowItemType.", "permitted_values": [ "PendingAnnualAnalysis", "AnalysisComplete_Surplus", "AnalysisComplete_Shortage_MonthlyIncrease", "AnalysisComplete_Shortage_LumpSumOption", "AnalysisComplete_Deficiency", "SurplusRefundIssued", "PaymentAdjustmentNoticed", "BorrowerContested" ], "value_labels": { "PendingAnnualAnalysis": "Pendingannualanalysis", "AnalysisComplete_Surplus": "Analysiscomplete Surplus", "AnalysisComplete_Shortage_MonthlyIncrease": "Analysiscomplete Shortage Monthlyincrease", "AnalysisComplete_Shortage_LumpSumOption": "Analysiscomplete Shortage Lumpsumoption", "AnalysisComplete_Deficiency": "Analysiscomplete Deficiency", "SurplusRefundIssued": "Surplusrefundissued", "PaymentAdjustmentNoticed": "Paymentadjustmentnoticed", "BorrowerContested": "Borrowercontested" }, "regulatory_mappings": { "respa_sec_10": "RESPA Section 10 — Escrow account limitations and annual analysis requirements", "reg_x_1024_17": "Regulation X 12 CFR 1024.17 — Escrow account analysis, statement, and disbursements" }, "source": "CFPB Regulation X 12 CFR 1024.17; RESPA Section 10; MISMO EscrowItemType" } ] }, { "subdomain": "Loss Mitigation & Default Management", "description": "Covers the loss mitigation waterfall, forbearance, modifications, short sales, deeds-in-lieu, and foreclosure. CFPB Regulation X 12 CFR 1024.41 imposes strict procedural requirements on servicers including timing, single point of contact, and dual-tracking prohibition. Agentic AI must operate within these constraints.", "mismo_containers": [ "LOSS_MITIGATION", "FORECLOSURE", "FORBEARANCE" ], "categories": [ { "enum_name": "LossMitigationOptionType", "label": "Loss Mitigation Option Type", "otel_attribute": "mortgage.loss_mitigation.option_type", "opa_policy_path": "data.mortgage.loss_mitigation.option_type", "rego_input_key": "mortgage_loss_mitigation_option_type", "stability": "stable", "description": "Loss mitigation options offered or evaluated by agentic servicer systems. Must follow the waterfall evaluation order required by GSE and agency guidelines before reaching foreclosure.", "permitted_values": [ "Forbearance_Temporary", "Forbearance_COVID_Pandemic", "RepaymentPlan", "TrialPeriodPlan", "LoanModification_RateReduction", "LoanModification_TermExtension", "LoanModification_PrincipalForbearance", "LoanModification_PrincipalForgivness", "FHA_SpecialForbearance", "FHA_LoanModification", "FHA_PartialClaim", "FHA_PreForeclosureSale", "VA_CompromiseSale", "VA_DeedInLieu", "USDA_MortgageRecoveryAdvance", "ShortSale", "DeedInLieu_Foreclosure", "AssumptionApproved", "CashForKeys_RelocationAssistance", "Foreclosure_Initiated", "NoOptionAvailable_Proceed_Foreclosure" ], "value_labels": { "Forbearance_Temporary": "Forbearance Temporary", "Forbearance_COVID_Pandemic": "Forbearance Covid Pandemic", "RepaymentPlan": "Repaymentplan", "TrialPeriodPlan": "Trialperiodplan", "LoanModification_RateReduction": "Loanmodification Ratereduction", "LoanModification_TermExtension": "Loanmodification Termextension", "LoanModification_PrincipalForbearance": "Loanmodification Principalforbearance", "LoanModification_PrincipalForgivness": "Loanmodification Principalforgivness", "FHA_SpecialForbearance": "Fha Specialforbearance", "FHA_LoanModification": "Fha Loanmodification", "FHA_PartialClaim": "Fha Partialclaim", "FHA_PreForeclosureSale": "Fha Preforeclosuresale", "VA_CompromiseSale": "Va Compromisesale", "VA_DeedInLieu": "Va Deedinlieu", "USDA_MortgageRecoveryAdvance": "Usda Mortgagerecoveryadvance", "ShortSale": "Shortsale", "DeedInLieu_Foreclosure": "Deedinlieu Foreclosure", "AssumptionApproved": "Assumptionapproved", "CashForKeys_RelocationAssistance": "Cashforkeys Relocationassistance", "Foreclosure_Initiated": "Foreclosure Initiated", "NoOptionAvailable_Proceed_Foreclosure": "Nooptionavailable Proceed Foreclosure" }, "regulatory_mappings": { "reg_x_1024_41": "Regulation X 12 CFR 1024.41 — Loss mitigation procedures: application acknowledgement (5 days), evaluation (30 days from complete application), prohibition on dual tracking", "fnma_servicing_guide_d2": "Fannie Mae Servicing Guide D2 — Home Retention and Liquidation Workout Options", "fhlmc_servicer_guide_9000": "Freddie Mac Servicer Guide Chapter 9000 — Relief Provisions", "fha_4000_1_iii": "FHA 4000.1 Section III.A.2 — FHA Loss Mitigation Requirements" }, "use_case": "OPA rule: block autonomous initiation of Foreclosure_Initiated when a complete LossMitigationApplication is under review (anti-dual-tracking per Reg X 1024.41). Require HITL sign-off with compliance_officer role before any foreclosure referral.", "source": "CFPB Regulation X 12 CFR 1024.41; Fannie Mae Servicing Guide; FHA 4000.1" }, { "enum_name": "LossMitigationApplicationStatus", "label": "Loss Mitigation Application Status", "otel_attribute": "mortgage.loss_mitigation.application_status", "opa_policy_path": "data.mortgage.loss_mitigation.application_status", "rego_input_key": "mortgage_loss_mitigation_application_status", "stability": "stable", "description": "Tracks the procedural status of a loss mitigation application under Regulation X 1024.41. Critical for anti-dual-tracking compliance.", "permitted_values": [ "NotReceived", "Received_AcknowledgementPending", "Acknowledged_5BusinessDays", "Incomplete_DocumentsRequested", "Complete_EvaluationInProgress", "Offer_Extended", "Offer_Accepted_TrialPeriod", "Offer_Accepted_Permanent", "Offer_Rejected_BorrowerDeclined", "Offer_Rejected_Ineligible", "Appeal_Received", "Appeal_Upheld", "Appeal_Denied", "Withdrawn_Borrower", "Closed_Completed" ], "value_labels": { "NotReceived": "Notreceived", "Received_AcknowledgementPending": "Received Acknowledgementpending", "Acknowledged_5BusinessDays": "Acknowledged 5businessdays", "Incomplete_DocumentsRequested": "Incomplete Documentsrequested", "Complete_EvaluationInProgress": "Complete Evaluationinprogress", "Offer_Extended": "Offer Extended", "Offer_Accepted_TrialPeriod": "Offer Accepted Trialperiod", "Offer_Accepted_Permanent": "Offer Accepted Permanent", "Offer_Rejected_BorrowerDeclined": "Offer Rejected Borrowerdeclined", "Offer_Rejected_Ineligible": "Offer Rejected Ineligible", "Appeal_Received": "Appeal Received", "Appeal_Upheld": "Appeal Upheld", "Appeal_Denied": "Appeal Denied", "Withdrawn_Borrower": "Withdrawn Borrower", "Closed_Completed": "Closed Completed" }, "regulatory_mappings": { "reg_x_1024_41b": "12 CFR 1024.41(b) — Acknowledgement notice within 5 business days", "reg_x_1024_41c": "12 CFR 1024.41(c) — Evaluation within 30 days of complete application", "reg_x_1024_41h": "12 CFR 1024.41(h) — Appeal rights on non-approval decisions", "reg_x_1024_41f": "12 CFR 1024.41(f) — Prohibition on initiating foreclosure while loss mitigation application is pending" }, "source": "CFPB Regulation X 12 CFR 1024.41; CFPB Servicing Rule Examination Procedures" }, { "enum_name": "ForeclosureStage", "label": "Foreclosure Stage", "otel_attribute": "mortgage.foreclosure.stage", "opa_policy_path": "data.mortgage.foreclosure.stage", "rego_input_key": "mortgage_foreclosure_stage", "stability": "stable", "description": "Defines the allowed values for Foreclosure Stage in the Mortgage & Loan Processing catalog so OpenTelemetry spans and OPA policy inputs remain consistent across VeriProof. Terminology aligns to CFPB Regulation X; GSE Servicing Guides; State foreclosure statutes.", "permitted_values": [ "PreForeclosure_BreachLetter", "PreForeclosure_CurePeriod", "Referred_ToForeclosureAttorney", "NoticeOfDefault_Filed", "NoticeOfSale_Filed", "ForeclosureSale_Scheduled", "ForeclosureSale_Complete_ThirdParty", "ForeclosureSale_Complete_REO_Acquired", "ForeclosureSale_Postponed", "ForeclosureSale_Cancelled_LossMitigation", "RedemptionPeriod_Active", "DeficiencyJudgment_Sought", "Eviction_Initiated", "REO_Management_Active", "REO_Sold" ], "value_labels": { "PreForeclosure_BreachLetter": "Preforeclosure Breachletter", "PreForeclosure_CurePeriod": "Preforeclosure Cureperiod", "Referred_ToForeclosureAttorney": "Referred Toforeclosureattorney", "NoticeOfDefault_Filed": "Noticeofdefault Filed", "NoticeOfSale_Filed": "Noticeofsale Filed", "ForeclosureSale_Scheduled": "Foreclosuresale Scheduled", "ForeclosureSale_Complete_ThirdParty": "Foreclosuresale Complete Thirdparty", "ForeclosureSale_Complete_REO_Acquired": "Foreclosuresale Complete Reo Acquired", "ForeclosureSale_Postponed": "Foreclosuresale Postponed", "ForeclosureSale_Cancelled_LossMitigation": "Foreclosuresale Cancelled Lossmitigation", "RedemptionPeriod_Active": "Redemptionperiod Active", "DeficiencyJudgment_Sought": "Deficiencyjudgment Sought", "Eviction_Initiated": "Eviction Initiated", "REO_Management_Active": "Reo Management Active", "REO_Sold": "Reo Sold" }, "regulatory_mappings": { "cfpb_reg_x_1024_41f": "Reg X 1024.41(f) — No foreclosure referral while complete LM application under review", "state_foreclosure_law": "State-specific non-judicial or judicial foreclosure timelines apply", "cfpb_servicing_rule_2014": "CFPB 2014 Mortgage Servicing Final Rule — Early intervention and loss mitigation" }, "source": "CFPB Regulation X; GSE Servicing Guides; State foreclosure statutes" } ] }, { "subdomain": "Regulatory Reporting", "description": "Covers HMDA LAR reporting, CRA data, and CFPB Regulation B adverse action. These are the highest-frequency regulatory compliance outputs from mortgage agentic AI systems.", "categories": [ { "enum_name": "HMDAFilingStatus", "label": "HMDA Filing Status", "otel_attribute": "mortgage.hmda.filing_status", "opa_policy_path": "data.mortgage.hmda.filing_status", "rego_input_key": "mortgage_hmda_filing_status", "stability": "stable", "description": "The status of the annual HMDA Loan Application Register (LAR) filing. Annual filers must submit by March 1; quarterly filers (60,000+ loans/year) submit within 60 days of quarter end.", "permitted_values": [ "DataCollection_InProgress", "DataValidation_InProgress", "LAR_Complete_PendingQA", "QA_InProgress", "QA_Passed", "QA_Failed_Errors_Identified", "Submitted_To_CFPB", "CFPB_Acknowledged", "CFPB_Accepted", "CFPB_Resubmission_Required", "Resubmitted", "Filed_Confirmed", "LateSubmission_ExplanationRequired" ], "value_labels": { "DataCollection_InProgress": "Datacollection Inprogress", "DataValidation_InProgress": "Datavalidation Inprogress", "LAR_Complete_PendingQA": "Lar Complete Pendingqa", "QA_InProgress": "Qa Inprogress", "QA_Passed": "Qa Passed", "QA_Failed_Errors_Identified": "Qa Failed Errors Identified", "Submitted_To_CFPB": "Submitted to Cfpb", "CFPB_Acknowledged": "Cfpb Acknowledged", "CFPB_Accepted": "Cfpb Accepted", "CFPB_Resubmission_Required": "Cfpb Resubmission Required", "Resubmitted": "Resubmitted", "Filed_Confirmed": "Filed Confirmed", "LateSubmission_ExplanationRequired": "Latesubmission Explanationrequired" }, "regulatory_mappings": { "hmda_reg_c": "12 CFR 1003.5 — Annual LAR due March 1; quarterly LAR due 60 days after quarter end", "ffiec_hmda_edit_specs": "FFIEC HMDA Edit Specifications — syntactical, validity, and quality edits" }, "source": "CFPB HMDA Filing Instructions Guide 2025; FFIEC HMDA Edits" }, { "enum_name": "AdverseActionNoticeStatus", "label": "Adverse Action Notice Status", "otel_attribute": "mortgage.adverse_action.notice_status", "opa_policy_path": "data.mortgage.adverse_action.notice_status", "rego_input_key": "mortgage_adverse_action_notice_status", "stability": "stable", "description": "Tracks the generation, delivery, and content validation of adverse action notices required by ECOA Reg B and FCRA. Must be completed within 30 days of a complete application for credit decisions, or 30 days from the action date for incomplete applications.", "permitted_values": [ "NotRequired", "Required_PendingGeneration", "Generated_PendingDelivery", "Delivered_Written", "Delivered_Electronic", "Delivered_Oral_Confirmed", "Delivered_Undeliverable", "Overdue_30DayDeadlineMissed", "Deficient_Missing_Reason_Codes", "Deficient_Missing_FCRA_Notice", "Corrected_Reissued" ], "value_labels": { "NotRequired": "Notrequired", "Required_PendingGeneration": "Required Pendinggeneration", "Generated_PendingDelivery": "Generated Pendingdelivery", "Delivered_Written": "Delivered Written", "Delivered_Electronic": "Delivered Electronic", "Delivered_Oral_Confirmed": "Delivered Oral Confirmed", "Delivered_Undeliverable": "Delivered Undeliverable", "Overdue_30DayDeadlineMissed": "Overdue 30daydeadlinemissed", "Deficient_Missing_Reason_Codes": "Deficient Missing Reason Codes", "Deficient_Missing_FCRA_Notice": "Deficient Missing Fcra Notice", "Corrected_Reissued": "Corrected Reissued" }, "regulatory_mappings": { "ecoa_reg_b_1002_9": "Reg B 12 CFR 1002.9 — Notification of action taken, ECOA notice, and statement of specific reasons", "fcra_sec615a": "FCRA Section 615(a) — Adverse action notice when consumer report used", "cfpb_circular_2022_3": "CFPB Circular 2022-3 — Adverse action reason codes required for algorithmic/AI models" }, "use_case": "OPA rule: block loan application file archival when adverse_action_notice_status is Required_PendingGeneration, Overdue_30DayDeadlineMissed, Deficient_Missing_Reason_Codes, or Deficient_Missing_FCRA_Notice.", "source": "CFPB Reg B; FCRA; CFPB Circular 2022-3" } ] } ], "opa_rego_policy_patterns": { "description": "Mortgage-specific OPA Rego policy patterns. These reference enum values from this file and from 00_core_sdk_and_governance.json. Illustrative patterns, not production policies.", "patterns": [ { "pattern_id": "mortgage.block_loan_closing_trid_waiting_period_not_satisfied", "pattern_name": "block_loan_closing_trid_waiting_period_not_satisfied", "enforcement_effect": "deny", "description": "Block any agent-initiated loan closing or funding action unless the TRID 3-business-day waiting period after Closing Disclosure delivery has been satisfied. Also block when a re-disclosure trigger requiring a new 3-day period is present.", "applicable_enums": [ "TRIDDisclosureStatus", "TRIDReDisclosureTrigger", "FundingStatus" ], "regulatory_basis": "CFPB TRID Rule 12 CFR 1026.19(f); 12 CFR 1026.19(f)(2)(ii) — three triggers for new 3-day waiting period", "rego_sketch": "package mortgage.trid\n\nclosing_allowed_statuses := {\n \"ThreeBusinessDayWaitingPeriod_Satisfied\",\n \"Consummated\"\n}\n\nredisclosure_triggers_requiring_new_wait := {\n \"ClosingDisclosure_APRBecameInaccurate\",\n \"ClosingDisclosure_ProductChanged\",\n \"ClosingDisclosure_PrepaymentPenaltyAdded\"\n}\n\ndeny[msg] {\n input.mortgage_closing_funding_status in {\"FundingRequested\", \"FundingApproved\", \"WireTransmitted\"}\n not input.mortgage_trid_disclosure_status in closing_allowed_statuses\n msg := sprintf(\"TRID violation: Closing blocked. Disclosure status '%v' does not satisfy 12 CFR 1026.19(f) 3-business-day waiting period\", [input.mortgage_trid_disclosure_status])\n}\n\ndeny[msg] {\n input.mortgage_closing_funding_status in {\"FundingRequested\", \"FundingApproved\", \"WireTransmitted\"}\n input.mortgage_trid_redisclosure_trigger in redisclosure_triggers_requiring_new_wait\n input.mortgage_trid_disclosure_status != \"ThreeBusinessDayWaitingPeriod_Satisfied\"\n msg := sprintf(\"TRID violation: Re-disclosure trigger '%v' requires a new 3-business-day waiting period before consummation\", [input.mortgage_trid_redisclosure_trigger])\n}" }, { "pattern_id": "mortgage.require_human_underwriter_for_aus_refer_outcomes", "pattern_name": "require_human_underwriter_for_aus_refer_outcomes", "enforcement_effect": "require_hitl_approval", "description": "Block autonomous loan approval commitment when the AUS recommendation is any Refer or Out of Scope outcome. These must have a human underwriter HITL decision before commitment.", "applicable_enums": [ "AUSRecommendation", "UnderwritingDecisionType", "HumanOversightDecision" ], "regulatory_basis": "Fannie Mae Selling Guide B3-2 — Manual underwrite required for all Refer outcomes; EU AI Act Annex III 5(b) high-risk creditworthiness AI", "rego_sketch": "package mortgage.aus\n\nrefer_outcomes := {\n \"Refer/Eligible\",\n \"Refer/Ineligible\",\n \"Refer with Caution/Eligible\",\n \"Refer with Caution/Ineligible\",\n \"Caution\",\n \"Out of Scope\",\n \"Error\"\n}\n\ndeny[msg] {\n input.mortgage_aus_recommendation in refer_outcomes\n input.mortgage_underwriting_decision_type in {\"Approved\", \"ApprovedWithConditions\"}\n input.gen_ai_hitl_decision != \"approved\"\n msg := sprintf(\"GSE Selling Guide violation: AUS recommendation '%v' requires documented human underwriter review and approval before commitment\", [input.mortgage_aus_recommendation])\n}" }, { "pattern_id": "mortgage.block_foreclosure_referral_during_active_loss_mitigation", "pattern_name": "block_foreclosure_referral_during_active_loss_mitigation", "enforcement_effect": "deny", "description": "Block any autonomous foreclosure referral action when a complete loss mitigation application is pending review (anti-dual-tracking rule per Regulation X 1024.41).", "applicable_enums": [ "LossMitigationApplicationStatus", "ForeclosureStage", "LossMitigationOptionType" ], "regulatory_basis": "CFPB Regulation X 12 CFR 1024.41(f) — Prohibition on initiating foreclosure while complete LM application is under review", "rego_sketch": "package mortgage.loss_mitigation\n\nactive_lm_statuses := {\n \"Complete_EvaluationInProgress\",\n \"Incomplete_DocumentsRequested\",\n \"Offer_Extended\",\n \"Offer_Accepted_TrialPeriod\",\n \"Appeal_Received\"\n}\n\ndeny[msg] {\n input.mortgage_loss_mitigation_application_status in active_lm_statuses\n input.mortgage_loss_mitigation_option_type in {\n \"Foreclosure_Initiated\",\n \"NoOptionAvailable_Proceed_Foreclosure\"\n }\n msg := \"Regulation X 1024.41(f) violation: Foreclosure referral blocked — complete loss mitigation application is under review (anti-dual-tracking)\"\n}" }, { "pattern_id": "mortgage.require_adverse_action_reason_codes_before_file_archive", "pattern_name": "require_adverse_action_reason_codes_before_file_archive", "enforcement_effect": "deny", "description": "Block archiving a denied or incomplete loan file unless the adverse action notice has been delivered with compliant reason codes per ECOA Reg B and CFPB Circular 2022-3.", "applicable_enums": [ "AdverseActionNoticeStatus", "HMDAActionTaken", "HMDAReasonForDenial" ], "regulatory_basis": "ECOA Reg B 12 CFR 1002.9; FCRA Section 615(a); CFPB Circular 2022-3", "rego_sketch": "package mortgage.adverse_action\n\nblocking_notice_statuses := {\n \"Required_PendingGeneration\",\n \"Overdue_30DayDeadlineMissed\",\n \"Deficient_Missing_Reason_Codes\",\n \"Deficient_Missing_FCRA_Notice\"\n}\n\ndeny[msg] {\n input.mortgage_hmda_action_taken in {\"3\", \"7\"}\n input.mortgage_adverse_action_notice_status in blocking_notice_statuses\n msg := sprintf(\"ECOA Reg B violation: Cannot archive denied application — adverse action notice status is '%v'. 30-day delivery requirement under 12 CFR 1002.9\", [input.mortgage_adverse_action_notice_status])\n}\n\ndeny[msg] {\n input.mortgage_hmda_action_taken in {\"3\", \"7\"}\n count(input.mortgage_hmda_denial_reasons) < 1\n msg := \"ECOA Reg B / CFPB Circular 2022-3 violation: Denied application must have at least one denial reason code\"\n}" }, { "pattern_id": "mortgage.hmda_lar_data_quality_gate", "pattern_name": "hmda_lar_data_quality_gate", "enforcement_effect": "deny", "description": "Block HMDA LAR submission when critical mandatory fields contain invalid or missing values. Action Taken and denial reason codes are the most-cited HMDA violations.", "applicable_enums": [ "HMDAActionTaken", "HMDAReasonForDenial", "HMDALoanPurpose", "HMDAFilingStatus" ], "regulatory_basis": "12 CFR 1003.4 — HMDA data collection requirements; FFIEC HMDA Edit Specifications; Federal Reserve most-cited compliance violation 2022-2024", "rego_sketch": "package mortgage.hmda\n\nvalid_action_taken_codes := {\"1\", \"2\", \"3\", \"4\", \"5\", \"6\", \"7\", \"8\"}\nvalid_loan_purpose_codes := {\"1\", \"2\", \"31\", \"32\", \"4\", \"5\"}\ndenial_required_actions := {\"3\", \"7\"}\n\ndeny[msg] {\n not input.mortgage_hmda_action_taken in valid_action_taken_codes\n msg := sprintf(\"HMDA Reg C violation: Action Taken value '%v' is not a valid CFPB LAR code. Use numeric codes 1-8 only\", [input.mortgage_hmda_action_taken])\n}\n\ndeny[msg] {\n input.mortgage_hmda_action_taken in denial_required_actions\n count(input.mortgage_hmda_denial_reasons) == 0\n msg := \"HMDA Reg C violation: Denial reason codes required when Action Taken is 3 (denied) or 7 (preapproval denied)\"\n}" } ] }, "agent_registry_fields": { "description": "Recommended fields for registering a mortgage-domain agentic AI system in the GRC portal. These supplement the core agent identity schema from 00_core_sdk_and_governance.json with mortgage-specific attributes.", "fields": [ { "field": "nmls_id", "type": "string", "description": "Nationwide Multistate Licensing System identifier of the lending entity operating this agent. Required for TRID disclosure compliance.", "required_when": "All agents issuing Loan Estimates or Closing Disclosures" }, { "field": "cfpb_hmda_filer_id", "type": "string", "description": "CFPB-assigned HMDA filer identifier (LEI). Required on every LAR record.", "required_when": "All agents generating or validating HMDA LAR data" }, { "field": "legal_entity_identifier_lei", "type": "string", "description": "20-character ISO 17442 Legal Entity Identifier. Required as the HMDA Universal Loan Identifier (ULI) prefix.", "required_when": "HMDA reporters — 12 CFR 1003.4(a)(1)(i)" }, { "field": "aus_system_credential", "type": "enum", "enum_ref": "AUSSystemType", "description": "The AUS system(s) this agent is authorized to interact with. Drives AUS submission routing policy." }, { "field": "trid_disclosure_authority", "type": "boolean", "description": "True if this agent is authorised to generate and deliver TRID Loan Estimates or Closing Disclosures. Requires lender credential validation.", "required_when": "Any agent initiating TRID disclosure workflow" }, { "field": "respa_servicing_compliant", "type": "boolean", "description": "True if this servicing agent's processes have been reviewed against CFPB Regulation X loss mitigation and servicing requirements.", "required_when": "All loan servicing and loss mitigation agents" }, { "field": "ecoa_adverse_action_capable", "type": "boolean", "description": "True if this agent makes or influences credit decisions that trigger ECOA Reg B adverse action notice requirements. Subject to CFPB Circular 2022-3.", "required_when": "Underwriting, AUS orchestration, and credit decision agents" }, { "field": "mismo_version", "type": "string", "description": "The MISMO Reference Model version used by this agent for data exchange. Current production standard is 3.6.2 (published October 2025)." } ] } }