ConditionTemplateExtension — borrowerActionable flag for the portal (doc 09 §6.4)
The net-new data dependency the borrower portal's "What's Left" view needs: the locked LoanCondition carries only staff/org member ids, so the portal cannot tel...
PriceAssemblyEngine — the deterministic §8.1 PPE core (Phase 2 Slice 13)
The first pure-logic mlos slice: the capstone that composes the shipped catalog resolvers into the authoritative server-side pricing math (doc 02 §8.1 steps 2-4...
Pull-Through — AiPullThroughPolicy + PipelineFundingProjection (doc 09)
The doc-09 pull-through entity foundation (same mlos.capitalmarkets pkg). AiPullThroughPolicy (RENAMED from doc-09's 'LenderProfile' to avoid the shipped config...
RceCommitmentDecision — the RCE lock-decision detail (doc 08 §10.1)
Opens **************** the net-new RCE persistence gap (lock lifecycle + config + decision-spine were all already shipped). Closes the audit chain RateLock <-> ...
ClosingWorkflowTemplate + MersRegistration (doc 05 §6.2/§6.3) — COMPLETES the §6.3 eClose inventory
ClosingWorkflowTemplate (the eClose graph as DATA — version-bearing total-block WORM, stepsJson JSONB, effective-dated; scopeLevel most-restrictive). MersRegist...
EClose core — ClosingPackage + ClosingArtifact (doc 05 §6.3)
Opens com.kamo.z.shared.mlos.eclose: the eClose workflow-graph substrate. ClosingPackage (aggregate root, one per closing; partial-WORM — identity frozen, statu...
InternalRulesDecision — the §6.5 non-AUS rules-engine store (doc 10) — COMPLETES the aus_* inventory
The internal non-QM/DSCR/ITIN/Jumbo deterministic rules-engine result store: explicitly NOT an AUS (not AusFinding/AusKind, never disclosed as a GSE AUS, doc 01...
AUS finding children — aus_condition + aus_waiver + aus_validation (doc 10 §6.2)
Completes the doc-10 aus_* finding-children inventory (the InternalRulesDecision non-AUS sibling is a separate slice). AusCondition (parsed agency-feedback line...
AusRun keystone — the AUS submission-of-record (doc 10 §6.2)
Opens com.kamo.z.shared.mlos.aus: AusRun (child of locked AusFinding) carrying per- submission run state — phase, dual-AUS freeze/soft-lock, cost+credit-reissue...
Doc-03 §2.8 compliance entities — ComplianceFinding + RBPN + FCRA-AA + ChangedCircumstance
The §2.8 record-of-determination + the three INDEPENDENT notice/CC regimes, joining the shipped AdverseActionTimer/RegXTimer in mlos.compliance. All total-block...
Projection/mediastream substrate — EventProjectionPolicy + LoanStreamBinding (doc 07 §6.7/§7.2)
EventProjectionPolicy = the GLBA data-minimization allowlist ((eventKind x partyClass/role) -> allowed field-groups + channels); platform-default(null org)+org-...
Dispatch substrate — NotificationOutbox + NotificationRateWindow (doc 07 §6.4/§10.3)
The crash-safe per-recipient send queue + durable frequency-cap counter (co-transactional per §10.3). NotificationOutbox (partial-WORM, CommunicationArchive idi...
RuleVersionPin + RuleVersionPinEntry (doc 06 §4.6 per-loan freeze)
Completes the doc-06 rule-entity inventory: the per-loan point-in-time snapshot of the active rule/policy version set (determinism — an in-flight loan never sil...
Versioned requirement-rule definition layer (doc 06 §4.2/§4.6)
The rule-engine half (part 1) of the Document System: MortgageDocType (52-of-~200 §3.3 taxonomy + non-tunable legalWall source-of-truth) + RequirementDriverType...
Greenfield 1-obligation/N-satisfier condition model (doc 06 §4.2/§4.3)
The Document System foundation slice: DocumentRequirement (N satisfiers of an obligation) + RequirementSatisfier (append-only WORM acceptance record) + the two ...
NotificationPreference + CommunicationArchive (doc 07 §6.2/§9.2)
Completes the doc-07 §6 entity model — the mutable convenience ledger + the immutable record-of-business. Same pkg (no @EnableJpaRepositories change). - Notifi...
Party graph + TCPA/E-SIGN consent ledger (doc 07 §6)
New pkg **************** — the recipient/consent entity foundation. Consumer-agnostic (FKs only locked donotmodify; the dispatcher is a future MLOSxxxService, N...
DecisionInput — FK-pinned input provenance (decision-spine 2c)
The immutable child of AiDecision that makes every decision deterministically replayable (doc 03 §2.1). Unblocked by the now-complete catalog/scenario/pricing i...
Lock record + lock event (Phase-2 Slice 12c)
The FINAL scenario/pricing sub-slice (doc 02 §6.3/§8.1) — completes the §6.3 scenario/pricing entity inventory. A rate lock taken on a priced result + its appen...
Pricing run + result + applied-adjustment (Phase-2 Slice 12b)
The immutable priced-quote record (doc 02 §6.3/§7.2/§8.1): MlosPricingRun -> MlosPricedProductResult -> MlosAppliedAdjustment, written in one tx by the PPE. - ...
Scenario identity — MlosLoanScenario + MlosScenarioBorrower (Phase-2 Slice 12a)
Opens the doc-02 §6.3/§7 scenario/pricing layer (first of 3 sub-slices). The priceable-scenario aggregate root the PPE hangs off + its borrowers. - FK-don't-re...
Ingestion entities — MlosExtractionTemplate + MlosDocumentSegment (Phase-2 Slice 11)
Opens the doc-02 §6.3 ingestion side: the per-investor format map the parser reads + one classified, reviewable region of a source document. Four grounded enums...
Bulletins + bulletin-change provenance + effective-basis applicability (Phase-2 Slice 10)
Closes the doc-02 §6.3 catalog entity inventory. Bulletins are the investor change announcements that spawn new catalog versions and supersede predecessors (§6....
Lock-policy version (WORM) + period options + extension fees (Phase-2 Slice 9)
The investor lock-policy layer — third effective-dated WORM version spine (after rate-sheet + guideline), keyed per investor; feeds the future RateLock/RateComm...
Guideline rules + conditions + evaluator, sharing the LLPA predicate engine (Phase-2 Slice 8)
The guideline-rule predicate conjunct of §8.1 step-2. Critically, REUSES the reviewed Slice-4 condition evaluator instead of duplicating the safety-critical pre...
MlosGuidelineVersion (WORM) + GuidelineVersionResolver (Phase-2 Slice 7)
The immutable effective-dated guideline VERSION — the container eligibility matrices **************** and future guideline rules hang off. Faithful replication ...
Eligibility matrix + cells + cell matcher (Phase-2 Slice 6)
The §8.1 step-2 eligibility-first filter substrate (the cell conjunct; guideline_rule + AUS gate AND in later). - MlosEligibilityMatrix (mlos_eligibility_matri...
MlosMarginSchedule + MarginScheduleResolver (Phase-2 Slice 5)
The investor margin layer — the "+ margin_schedule" term of §8.1 step-4 price assembly. - MlosMarginSchedule (mlos_margin_schedule): rateSheetVersionId FK, pro...
LLPA adjustments + value sets + condition evaluator (Phase-2 Slice 4)
The LLPA/adjustment layer + the deterministic predicate engine for §8.1 step-4 matching ("an adjustment matches iff ALL its conditions are satisfied"). - MlosP...
MlosBasePriceGrid + NoteRateLadder priceable cells (Phase-2 Slice 3)
The priceable rate/price cells — first catalog entity to FK BOTH a rate-sheet version (Slice 1) AND a product (Slice 2); the base of the §8.1 price assembly. -...
MlosProduct + MlosArmIndex product-taxonomy layer (Phase-2 Slice 2)
The product spine of the catalog (doc 02 §6.3): everything priceable downstream (base price grids, eligibility matrices, guideline rules) FKs to MlosProduct.uid...
Catalog provenance + effective-dated versioning spine (Phase-2 Slice 1)
Smallest shippable slice of the Phase-2 catalog (doc 02 §6): the provenance chain ImgDat -> MlosSourceDocument -> MlosRateSheetVersion and the immutable effecti...
Per-tenant confidence-threshold gate overload (config↔gate wiring)
Additive DecisionGate.evaluate(stage, confidence, legallyRequiresHuman, BigDecimal tenantThresholdOverride) — the autonomy-tuned per-tenant wall resolved by ***...
Complete Phase-1 config domains + MlosActivationService (Slice 5)
Completes doc 04's config entity inventory **************** - Policy singletons (one-active-per-profile, effective-dated/append-only): PricingPolicy (ppeSour...
Channel Applicability engine (Phase-1 Slice 4)
The deterministic most-restrictive resolver (doc 04 §8) — Product x Channel x Investor -> {ALLOWED|DISALLOWED, executionPath, authorityModel, fundingBehavior}. ...
AuthorityConfig (underwriting authority + govt delegations) — Phase-1 Slice 3
- AuthorityConfig (singleton per LenderProfile): underwritingAuthority DELEGATED/NON_DELEGATED/HYBRID + manualUwAllowed + govtDelegation Set {FHA_DE,VA_SAR_...
AI autonomy config + safety-floor resolver (Phase-1 Slice 2)
- AiAutonomyConfig (singleton per LenderProfile; autonomyLevel **************** globalDefaultThreshold DECIMAL(4,3), autoExecuteEnabled) + AutonomyStageOver...
LenderProfile + LicensingEntry config foundation (Phase-1 Slice 1)
New com.kamo.z.shared.mlos.config tenant-config foundation (doc 04 §3): - LenderProfile (root, UNIQUE per MORTGAGE marketId) — soft-FKs locked Organization (...
**************** for the DaemonService SLA sweep
Flips every ARMED-but-past-deadline AdverseActionTimer + RegXTimer to EXPIRED (the durable escalation signal the Compliance steward screen surfaces; event emiss...
Wire license-aware assignment into DecisionSpine (Slice 2b-ii)
DecisionSpine.record() now stamps StewardTask.assignedMemberId from the StewardAssigner when a routed decision carries the loan's jurisdiction: - DecisionReque...
License-aware StewardAssigner (decision-spine Slice 2b-ii)
Adds the license-aware steward selector (doc 03 §3.2; doc 01 §6 #9) — picks a steward whose MLOS StewardLicense is valid TODAY for the act's required license ty...
ECOA + Reg X timer substrate (decision-spine Slice 2c-i)
New **************** package (doc 03 §2.8) — kamo-owned compliance-timer analogues of the locked donotmodify.TridTimer. Substrate-first: - AdverseActionTimer (...
State-aware legal registry substrate (decision-spine Slice 2b)
New com.kamo.z.shared.mlos.legal package — the greenfield producer of the DecisionGate's absolute legal-wall input (doc 03 §3.2). Substrate-first, no adopter ye...
Declare Slice-2a indexes via @Table(indexes) on entities
Move the mlos_orchestration_state and mlos_steward_task index definitions from KamoInitializer's SchemaCleanupRunner onto the entities themselves (@Table(indexe...
Decision-spine Slice 2a — OrchestrationState + StewardTask + DecisionSpine BLOCKED-state machine
OrchestrationState (per-loan-stage GREEN/BLOCKED/COMPLETE) + StewardTask (exception record) + enums + DecisionSpine (@ConditionalOnProperty mlos.spine.enabled):...
LoanIdentifier registry substrate — 42 typed ids (keystone 0.5, slice 1)
New pkg com.kamo.z.shared.mlos.identity (the inbound-webhook routing key): LoanIdentifierType (42 first-class typed ids, each carrying Cardinality + Ownership; ...
PublishAck is in io.nats.client.api, not io.nats.client
Test-only import fix that was breaking shared-lib compilation (caught by the now-required local mvn install). Main code was unaffected (OutboxRelay ignores the ...
StewardFeedback flywheel — capture every steward verdict (keystone 0.11)
New pkg **************** append-only StewardFeedback ground-truth row (FK ai_decision.uid; verdict CONFIRM/OVERRIDE/MODIFY; Reg-B-aligned reasonCode; correctedV...
Immutable AiDecision WORM ledger + two-wall DecisionGate (keystone 0.3, slice 1)
New pkg com.kamo.z.shared.mlos.decision (greenfield decision spine, never edits donotmodify): immutable append-only AiDecision (WORM via @PreUpdate guard; loanF...
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