ECOA + Reg X timer substrate (decision-spine Slice 2c-i)

Featurekamo-shared-library
Shipped
June 26, 2026 at 7:14 AM UTC
Author
Kamo
Commit
eb9192f

New **************** package (doc 03 §2.8) — kamo-owned compliance-timer analogues of the locked donotmodify.TridTimer. Substrate-first: - AdverseActionTimer (ECOA/Reg B 30-day clock; noticeKind ECOA_AA/COUNTEROFFER/ INCOMPLETE_NOA) + RegXTimer (affirmative servicing duties; dutyKind **************** Mutable **************** soft loanFileId ref, +orgId for tenant isolation. Breach-sweep index (status, deadline_at). - ComplianceTimerStatus enum + 2 repos with **************** - ComplianceTimerService @Component (gated mlos.compliance.enabled): arms timers, encodes the regulatory day-counts (30/36/120/5, locked by tests), CONTINUITY needs an explicit deadline, breach detection via injected Clock, sweep finders. 10 ComplianceTimerServiceTest green (TDD). Indexes entity-declared via @Table. DaemonService SLA-escalation + BLOCKED->STALE deferred (calls the sweep finders). Excluded this slice: ComplianceFinding (FK donotmodify.TridTimer), RBPN/FCRA notices, ChangedCircumstance.

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