Policies

Rules are effective-dated data with an owner, a source authority and test coverage — not branches scattered through code. Changing a version changes what the engine decides, and the decision trace records which version produced each result.

Rule set: 2026.07
Rules: 10
Unresolved conflicts: 1

Current conflict · unresolved

Credit inquiry lookback

CRED-INQ-006

Source A — 60-day lookback

Letter of explanation required for hard inquiries in the last 60 days

Processor Role Reference §4 · effective May 1, 2026

Source B — 120-day lookback

Letter of explanation required for hard inquiries in the last 120 days

Opportunity Worksheet field guidance · effective Jun 15, 2026

System behaviour: Decision automation is disabled for the inquiry letter-of-explanation requirement. The rule returns CONFLICT rather than a result. No inquiry LOE is requested from the homeowner and no inquiry condition is generated.
Required resolution: The credit policy owner selects the governing lookback window, records the source authority and effective date, and approves the change. Affected open files are then re-evaluated without overwriting their historical decision trace.

Owner Credit Policy — R. Nakamura · raised Jun 15, 2026

See the effect on Jordan Lee

Active rule set

Active rule set. Expand a row for applicability, override eligibility, version history and test coverage.
Rule	Class	Source authority	Version	Effective	Owner	Tests	Status
Hard credit completenessCREDIT-UW-004	Blocker	Essential Document Checklist for Initial Review§2 Hard credit report	2026.07	Jul 1, 2026	Credit Policy	7	Active
Trust evidence where vesting indicates a trustOWN-TRUST-002	Blocker	Essential Document Checklist for Initial Review§6 Trust agreement or attorney-prepared certification	2026.07	Jul 1, 2026	Underwriting Policy	6	Active
Ownership consistency across sourcesOWN-VEST-001	Manual review	Processing Intake Source of Truth§3 Ownership and authority	2026.07	Jul 1, 2026	Underwriting Policy	5	Active
Mortgage balance reconciliationMTG-BAL-005	Blocker	Processing Intake Source of Truth§4 Obligations	2026.07	Jul 1, 2026	Credit Policy	8	Active
Duplicate mortgage evidenceDOC-MTG-003	Data-quality defect	Processing OS v1.2§5 Document quality	2026.07	Jul 1, 2026	Operations Quality	5	Active
Preliminary title commitmentTITLE-INIT-001	Blocker	Essential Document Checklist for Initial Review§1 Preliminary title commitment	2026.07	Jul 1, 2026	Title Policy	9	Active
Flood zone determination certificateFLOOD-INIT-001	Blocker	Essential Document Checklist for Initial Review§7 Flood certificate	2026.07	Jul 1, 2026	Property Policy	6	Active
Hybrid valuation where automated valuation is not permittedVAL-HYBRID-002	Blocker	Valuation Decision Standard§2 AVM eligibility	2026.07	Jul 1, 2026	Valuation Policy	7	Active
Inquiry letter of explanationCRED-INQ-006	Policy conflict	Two active sources disagreeProcessor Role Reference §4 / Opportunity Worksheet field guidance	conflicted	Jun 15, 2026	Credit Policy	5	Conflict
Federal court records searchPACER-INIT-007	Required context	Essential Document Checklist for Initial Review§8 PACER search	2026.07	Jul 1, 2026	Underwriting Policy	4	Active

Test scenarios listed here are the cases in the rule suite that ships with this project. A rule change that breaks one of them fails the build, which is what makes “test coverage” a fact rather than a field.