# Servicing Transfer Notice Check

Check mortgage servicing transfer notices against the required notice windows.

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

## Inputs
The transfer date and the dates of the old and new servicer notices.

## Workflow
1. Record the transfer effective date.
2. Record the old servicer’s notice date and the new servicer’s notice date.
3. Compare to the 15-day windows.
4. Return the check without servicer contact.

## Output contract
loan | transfer_date | old_notice_date | new_notice_date | old_within_window | new_within_window

## Fictional acceptance test
Fictional borrower’s transfer is effective October 1; the old servicer’s notice arrived September 20, 11 days before, and the new servicer’s notice arrived October 3, 2 days after: both inside the 15-day windows, 0 late notices.

## 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/what-happens-if-my-mortgage-is-sold-is-my-loan-safe-en-199/

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