Changed circumstance and revised Loan Estimate
Customer production (also live in sandbox)
- Area
- Origination disclosures
- Stage
- Handoff
- Moves
- classify, decide, write back
- Customers
- Community Bank of Mississippi
Controls enforced
- TRID clock starts on record
- borrower acknowledgment on a secure screen
- at-risk cases go to a person
Evidence produced
- Disclosure, date and acknowledgment written to the LOS
- Decision Trace and Audit Trace
Claims
Community Bank of Mississippi runs TRID loans on Callvu: the completeness check before Processing, the handoff between teams, and the TRID Loan Estimate and changed-circumstance clocks.
A process can run a timer that tracks a regulatory clock, such as a response or disclosure deadline, and act when it runs out.
Every run produces a Decision Trace (why each AI action was allowed) and every workflow execution an Audit Trace (the chronological governance record).