---
title: "Servicing Compliance Clock"
method: POST
path: "/v1/tools/servicing_compliance_clock"
tags: ["mortgage-servicing", "respas-regx", "reg-z", "compliance-clock", "mcp:servicing_compliance_clock"]
---

# Servicing Compliance Clock

`POST /v1/tools/servicing_compliance_clock`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/servicing_compliance_clock`
- Auth: none declared

Computes servicer-compliance due dates and clock states from event dates and loan values across the Regulation X/Z servicing rules: error-resolution, information-request, loss-mitigation, foreclosure-timeline, force-placed-insurance, reminder, cancel, refund, payment-crediting, payoff-statement and ARM notice clocks. Every obligation carries its paragraph citation, a named business-day calendar assumption and its due window; invalid dates and over-bound event sets are refused, never computed.

**Tool URL:** https://ainumbers.co/chaingraph/733-servicing-compliance-clock.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `events` object[], required: Event list, at most 32: rule id, strict ISO trigger date, rule-specific parameters.
    - `rule` string, required
    - `trigger_date` string, required
    - `action_date` string
    - `error_category` integer
    - `request_type` string
    - `foreclosure_sale_date` string
    - `extension_notice_given` boolean
    - `charge_date` string
    - `initial_notice_date` string
    - `first_adjusted_payment_date` string
    - `consummation_date` string
    - `adjustment_frequency_days` integer
    - `originated_before_2015_01_10` boolean
    - `index_figure_lt_45_days` boolean
    - `first_adjustment_within_60_days_of_consummation` boolean
    - `disclosed_rate_was_estimate` boolean
    - `prior_complete_application_date` string
    - `continuously_delinquent_since` boolean

## Response `200`

Successful tool execution result

- object
  - `verdict` string
  - `obligations` object[]
    - `rule` string
    - `cited_paragraph` string
    - `basis` string
    - `calendar` string, nullable
    - `trigger_date` string
    - `due_date` string, nullable
    - `action_date` string, nullable
    - `state` string
    - `state_reason` string, nullable
    - `obligation_owed` boolean
    - `window_start_date` string, nullable
    - `window_variant` string
    - `days_allowed` integer
    - `days_before_sale` integer, nullable
    - `earliest_lawful_first_notice_date` string
  - `evidence` object
  - `manual_review_required` boolean

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)