# Payoff Statement Timing Check

Check payoff statement delivery against the deadline that applies.

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

## Inputs
The payoff requests, their receipt dates and their delivery dates.

## Workflow
1. Record when each payoff request was received.
2. Record when the statement was delivered.
3. Flag deliveries beyond the deadline.
4. Return the check without contacting servicers.

## Output contract
request | received | delivered | business_days | within_limit

## Fictional acceptance test
Fictional servicer log had 22 payoff requests; 2 statements took 8 business days against a 7-business-day deadline: 20 on time.

## 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/rules-policy/regulations/1026/36

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