Lender Settings

Consumer opt-in/out surface configuration for calls, SMS, and email. Channel enablement is consumed inside the one shared consent precedence gate.

Stored print policy for document operations; this slice does not change letter rendering.

Stored denial-notice policy; adverse-action rendering and delivery remain on the existing ceremony.

Stored bulk-operations policy; guarded bulk-command maker-checker behavior is unchanged.

Controls borrower portal customer-attachment uploads at the server mutation boundary.

Selects the evidence bundle assembled by the server-side attorney packet builder.

Grace period, days-late method, missed-payment ceiling, maximum days late, and the contiguous buckets consumed by the Collections queue aging CSV.

Stored servicing policy consumed by Loan Servicing / Collections. This slice does not add or change execution verbs.

Stored servicing policy consumed by Underwriting and Loan Servicing. This slice does not add or change execution verbs.

Stored servicing policy consumed by Documents / Loan Servicing. This slice does not add or change execution verbs.

Stored servicing policy consumed by Payments and Borrower Portal. This slice does not add or change execution verbs.

FFIEC-style constraints the loan re-age verb enforces fail-closed: minimum qualifying payments inside a window, plus rolling-year and lifetime caps. No policy (or disabled) means no re-age.

Address sanitization and bad-bank controls. Bankruptcy automation uses the shared typed loan-status-flag writer.

Borrower self-update and identification-number visibility consumed by the borrower portal settings read.

Derives the installment count from amount x payment schedule x tier, falling back to the product default term when no rule matches. The per-loan override is an explicit opt-out the Edit Loan slide-over honors.

Auto-adjusts a too-early first payment date forward to satisfy the minimum-days rule and stamps a visible chip on the loan. Silent adjustment is how servicing arguments start.

Tenant default for payment dates landing on a non-processing day; a product-level repayment policy rule wins when set. Shifts stamp a visible chip via the Edit Loan mutation.

Arms the stale-pending auto-deny sweep (origination_pipeline/auto_deny_days - one arming switch, no second threshold source) and the system note the sweep writes into the customer feed on denial. Denial letters ride the existing adverse-action ceremony.

Lending company identity: legal name (shown on the portal and email footers), workspace slug, and status.

Users, roles, scope tiers, MFA posture, the permission catalog, store groups, and distribution groups.

SOC 2 and PCI control definitions, enforcement levels, evidence queries, and audit keys.

Store cohorts anchoring customer, loan, and application assignment, config overrides, and report grouping.

Tenant product terms, APR, amount limits, fees, funding, eligibility, and security controls.

Borrower re-engagement blocks, payment-method cool-downs, handoff redirect, denied-loan rules, and portal copy.

Refinance SMS trigger and recognized borrower re-opt-in words.

Enforced refinance policy (#338): day window, cool-off with payoff-method filter, allowed payment methods, active-loan cap, watch-customer block, credit-limit check, transfer-payments master toggle, interest capitalization, cross-store/product transfer toggles, and the #270 floors (minimum principal paid, minimum new money above payoff).

Automatic refinance and reloan funding caps measured as loan count and total principal per rolling 24 hours.

Work-queue drivers agents apply on the customer record - priority tags need workspace:manage to remove - auto-expire arms the worker sweep - retire stops new applies without stripping customers.

Typed custom statuses with enforcement behavior columns, verification hold states, and the dedupe warning engine per-type levers.

Non-processing days: weekday closures that roll due dates and advance ACH effective dates - weekends are implicit.

Uploaded loan documents, template inventory, document categories, retention, and e-signature requirements.

Required-field matrices per surface and unacceptable banks, customers, employers, and ZIP codes with policy evidence.

Versioned tenant lists with predefined-vs-custom provenance: denial reasons, advertising methods, comment categories, phone-call types, bank holidays, letter types, and disbursement types.

Processor settings, lead imports, report defaults, letters, call policy, and lending/fee policy payloads - each value edits in place and saves via the sticky bar.

State-level lending configuration; state fee/lending policy engines remain the executable source. Stored policy with audit evidence; this slice adds no execution verbs.

Store/location operating configuration. Stored policy with audit evidence; this slice adds no execution verbs.

Multi-site routing posture for lead and customer-site traffic. Stored policy with audit evidence; this slice adds no execution verbs.

Surety bond posture for states requiring bonded lending. Stored policy with audit evidence; this slice adds no execution verbs.

Single-payment product posture; product terms stay on Loan Products. Stored policy with audit evidence; this slice adds no execution verbs.

Tenant-level work-queues toggle consumed by queue-driven operator surfaces.

Stored and displayed only - staff-authentication enforcement pairs with the access-control workstream and is deliberately NOT active.

Operator-defined typed fields for customer and loan records; values render and persist on the respective detail pages.

Per-store processor routing with day/time windows in the mapping timezone and an excluded-states fallback; consulted by the payment-command path when the caller names no processor.

ACH originating accounts, rails, NACHA company identity, SEC codes, and routing freshness.

Ordered return-code rules: retry ladders, rail changes, and consecutive-failure disables.

Per-category outbound identities, provider routing, caps, BE/BN thresholds, quiet days, and letter compliance.

Domain-event subscriptions, DPD-ladder scheduling, manual-from-record sends, and store restriction.