# Arm Rate Change Notice Map

Map an ARM rate-change notice against the required notice window.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The first adjustment date and the date the rate-change notice arrived.

## Workflow
1. Record the first adjustment date.
2. Record the notice arrival date.
3. Compare the gap to the 60-to-120-day notice window.
4. Return the map without servicer contact.

## Output contract
loan | adjustment_date | notice_date | days_notice | window_min | window_max | compliant

## Fictional acceptance test
Fictional ARM has a first adjustment effective March 1; the notice arrived January 20, 40 days before: short of the 60-day minimum by 20 days, so the notice timing fails the window.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/i-received-notice-of-an-upcoming-rate-change-on-my-adjustable-rate-mortgage-arm-why-did-i-receive-this-and-what-should-i-do-now-en-1843/

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