CreatePair is idempotent for the primary pair (stops duplicate BorrowerPairs)
createPair's sole caller is the wizard's 'ensure primary borrower', but it unconditionally inserted a new pair every call, so a concurrent autosave + explicit S...
Index (borrower_uid, organization_id) for vault cross-loan reuse query
PublishRouted so los.pipeline.* events land in LOS_PIPELINE, not rejected
NatsMessageService.publish() pins expectedStream=CHAT_MESSAGES; a los.pipeline.* subject is owned only by the LOS_PIPELINE stream, so the server rejected every ...
FindByStatus finder (freshness sweep enumerates ACCEPTED requirements)
DOC_COMPLETE canonical template (borrower has submitted every requested document)
FindBorrowerOutstandingForNudge (stale outstanding requirements for the reminder sweep)
DOC_ACCEPTED canonical template (borrower confirmation a submitted doc cleared)
Centralize §4.5 supersession-collapse (RequirementSupersession)
The freshness engine leaves a STALE_EXPIRED predecessor beside its fresh successor under one **************** Only the read path (ConditionClearabilityComputer)...
Gate intake @Component beans behind mlos.intake.enabled (opt-in)
BorrowerScenarioProfileService and ProductDiscoveryGate are shared-lib @Component/@Service beans that inject **************** / mlos.config repos. With blanket ...
DOC_REQUEST + DOC_REJECTED canonical templates
Borrower document-collection emails (transactional, CAN-SPAM-exempt): a request nudge when the checklist is minted, and a return-for-reupload notice. Added to C...
**************** (the doc-requirement key)
Surfaces the backing LoanFile.uid so the pipeline can map an app row to its document requirements.
Stop party fragmentation — enrich the stamped party in place
Live E2E showed a single loan producing 4 parties for 2 humans (an empty placeholder was created at borrower-create before identity, then a 2nd party at identit...
Party-link cross-human leak + account-level backfill
Adversarial-review fixes: - HIGH: drop the memberId dedup that conflated the loan's isPrimary borrower with the account OWNER — a member self-creating a loan ...
**************** self-heal
Idempotent re-link of every borrower on a loan to its account-party, callable from the document surfaces so an upload can always resolve the borrower's vault pa...
Account-borrower-party link service + vault finders
- **************** find-or-create the reusable account-party (document-vault shared-human key) for each loan Borrower; dedup ssn4+dob, else primary→account....
P1 entity foundation — lead-first / account-centric / transaction-grouped refactor
NEW entities (additive; KI runs DDL): - TransactionGroupStatus enum + LoanTransactionStatusDeriver: derived group lifecycle (Created→…→Completed) rolled up fr...
CreateBlank must persist the app graph before bootstrapBorrower
bootstrapBorrower seeds a Declarations/HMDA shell whose NOT-NULL borrower FK requires the Borrower to be persistent; createBlank called it BEFORE the cascading ...
Stamp borrower ownership in a separate tx (avoid transient-graph cascade)
createBlankOwnedByMember re-saved the app graph in the same tx as createBlank, before the borrower/declarations rows were flushed → TransientPropertyValueExcept...
Borrower loan-party ownership on AppMortgageService
Adds the ownership primitives for borrower self-service (a borrower is a plain org Member with no operator LOS rights): - createBlankOwnedByMember(orgId, member...
Real deep-merge for org program-ruleset overrides (doc03 §9 Phase 0)
Replaces the M2 last-write-wins mergeOverlay placeholder (which silently discarded the authoritative baseline on any org override) with a recursive JSON deep-me...
MlosExtractedCandidate staging entity for the ingestion pipeline (D48)
The terminal per-field output of MLOSIngestionService's parser: a staged, reviewable extraction candidate (segment/source-doc FK, targetEntity, fieldPath, cellR...
Isolated best-effort profile write-back for legal-wall paths (D47)
mergeFactsBestEffort runs the enrichment write-back in its OWN transaction (REQUIRES_NEW) so a failure can never roll back the caller's transaction — the safe w...
State-based member licensing + lead-acceptance gate
Reuse mlos.legal StewardLicense as the single per-member/per-state NMLS registry (add activelyProvidingBusiness). Add member-level Member.nmlsId. Add General-Pe...
Add importable `source` field to CreateLeadRequest + persist it in createLead
The Lead has a free-text `source` (shown/edited on the lead detail page) but it was not importable — CreateLeadRequest had no source field, so createLead never ...
Add ScenarioProfileSource.PRICING for scenario-writer FICO/ratio write-back (D45)
Canonical scenario-fact spine — genesis deriver + factsJson populate + write-back + overlay matcher (D45)
D1/D45 broadens BorrowerScenarioProfile consumption. Populates the dormant factsJson and makes it the shared source of truth for borrower/loan facts: - Scenari...
ProductEnablement implements VersionedProfilePolicy (per-program versioning)
VersionedProfilePolicy interface for effective-dated policies
Pricing/Capital/ServicingPolicy implement it so one publish routine drives the single-active demote-then-insert versioning.
LOAN doc-type guard (D2), sign-convention adapter (D3), per-org governor config (D4)
- ImageService: require a docType for ImageAssocType.LOAN uploads (LOAN-scoped; ACCOUNT/SERVICE_* unchanged). - SignedAdjustmentAdapter: the rule-7 adapter/co...
Generic MortgageProviderConfig replaces AUS-only config (D40)
One integration-credential store keyed by VendorCategory+vendorKey (credit, AUS, eSign, closing-docs, title, flood, …) behind a single Integrations tab — the Mo...
@JsonIgnore AUS secretCiphertext so it never leaks into audit snapshot (D37)
Per-program investor delegation (D39) — new InvestorDelegation child
Delegation is granular per (investor, program), not a coarse InvestorConfig boolean. Adds DelegationAuthority {DELEGATED, NON_DELEGATED}, the InvestorDelegation...
[AUS] AusConnectionConfig entity — per-org per-market DU/LP/GUS connections
Owner directive #6: each org configures its own AUS vendor APIs (Fannie DU / Freddie LP / USDA GUS) per mortgage market, in settings→commerce. Foundational data...
[ImageAssocType] append LOAN — images attach to a loan, doc type required
Owner directive: images can be attached directly to a mortgage loan, always with a relevant doc type. Append LOAN to ImageAssocType (id 11, bucket imaging-loans...
[sign-convention] money sign-convention validators + Adjustment model
Per the owner's canonical rules. Core domain money never encodes meaning in a sign: - **************** / requirePositive — assets, receivables, liabilities, p...
[§5.A] canonical BorrowerScenarioProfile + ProductDiscoveryGate
Per the owner's §5.A directive: ScenarioSupportPolicy must consume a canonical Borrower Scenario Profile generated from normalized URLA data, never raw forms/UI...
[12] §5.A ScenarioSupportPolicy deferral-interlock resolver (D36)
doc 12 line 235 P0 — 'the cheapest highest-leverage lifecycle addition'. A legal-wall at product-discovery that keeps **************** from silently running as ...
[11] doc 11 §6.2 single-active enum↔DDL drift guard
**************** is derived from enum metadata, but the DB backstop is four partial-unique indexes in KamoInitializer whose type IN(...) lists HARD-CODE the sin...
Use the simple entity name in the calibration-count JPQL (D32)
countCalibrationSamples referenced AiDecision by fully-qualified class name in the FROM clause; Hibernate resolves that, but every other @Query in the shared-li...
Update CanonicalTemplateLoaderTest for the change-password template set
Commit 7c6b20f (change-password support) added the canonical PASSWORD_CHANGED template and reworded EMAIL_VERIFICATION's expiry variable ({{expiryMinutes}} → {{...
[12] §5.C AutonomyGovernor — kill-switch + force-steward-until-calibrated (D32)
The DecisionGate already carries a GLOBAL static force-steward @Value, but §5.C needs two things it cannot give: a kill switch flippable WITHOUT redeploy (so DB...
Unified timeline SPI + entities on the media schema
Reuse MediaSession/MediaObj to hold social posts & replies (post=MediaObj, comment=child MediaObj via MediaObjMsg.parent, provider linkage on MediaObjSocialRef)...
IDENTIFIER_REGISTERED event type (mlos.identifier.registered)
The initial-registration counterpart to IDENTIFIER_SUPERSEDED — the durable signal downstream mirrors / global-resolution caches consume when a native identifie...
Marketing rights group — ServiceType.MARKETING + 6 rights (ids 150-155)
VIEW_MARKETING, VIEW_SOCIAL_MEDIA, MANAGE_SOCIAL_MEDIA, VIEW_MATERIALS, VIEW_REFERRAL_CODES, MANAGE_REFERRAL_CODES. MARKETING is a rights-grouping module (enabl...
AUS compliance event types - downgrade.forced, waiver.recorded, validation.recorded
The [10] compliance-validator unit's durable signals (D22/D24): the FHA TOTAL forced-downgrade decision-of-record, and the append-only waiver/data-validation li...
Add X(4)/DISCORD(5) provider enums + X(6) platform OAuth provider + active-by-provider repo lookup (no schema; provider_type_id is a plain Integer)
Lock-lifecycle outbox event type + BusinessDayCalendar promoted to mlos.compliance
- **************** (mlos.pricing.lock.lifecycle): one event type for the whole post-lock lifecycle; the specific MlosLockEventType rides in the payload. The...
MlosConfigChangeLog date_created — drop @ColumnDefault (duplicate default)
Both @ColumnDefault("now()") and columnDefinition="TIMESTAMP DEFAULT now()" made Hibernate emit 'TIMESTAMP DEFAULT now() default now()', which CockroachDB rejec...
Config/activation layer + decision-gate hardening + DecisionSpine provenance + SMS template entities
- [04] mlos.config: **************** enums + BusinessModelConfig/ **************** entities+repos + ScreenState/ModuleState/ ModuleKey/StewardQueueKey + Act...
PlatformOAuthClientResolver (read+decrypt registry) + PlatformOAuthSeeder (idempotent boot seed from env) + ResolvedOAuthClient
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