@huddle-marketplace/skills 0.2.0

package/dist/jurisdictions/lifecycle/active-tenancy.js

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+/**
+ * Active Tenancy Compliance Skill
+ *
+ * Validates rent payments, late fees, and rent increases against
+ * jurisdiction-specific rules. Works alongside deposit skills to provide
+ * continuous compliance during the tenancy lifecycle.
+ *
+ * Capabilities:
+ * - Late fee validation (caps, grace periods, compounding rules)
+ * - Rent payment receipt requirements
+ * - Payment timeliness tracking
+ */
+import { BaseSkill } from "../../base.js";
+const LATE_FEE_RULES = {
+    "US-NY": { maxPercent: 5, maxFlatCents: 5000, useMinimum: true, gracePeriodDays: 5, compoundingAllowed: false, statute: "NY RPL", section: "§ 238-a" },
+    "US-CA": { maxPercent: 6, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 0, compoundingAllowed: false, statute: "CA Okelberry v. West", section: "Case Law" },
+    "US-TX": { maxPercent: 12, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 2, compoundingAllowed: false, statute: "TX Property Code", section: "§ 92.019" },
+    "US-FL": { maxPercent: 5, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 0, compoundingAllowed: false, statute: "FL Stat", section: "§ 83.808" },
+    "US-MA": { maxPercent: 0, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 30, compoundingAllowed: false, statute: "MA Gen Laws", section: "Ch. 186 § 15B" },
+    "US-IL": { maxPercent: 5, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 5, compoundingAllowed: false, statute: "IL Compiled Statutes", section: "765 ILCS 705" },
+    "CA-ON": { maxPercent: 0, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 0, compoundingAllowed: false, statute: "ON RTA", section: "s. 134" },
+    "CA-BC": { maxPercent: 0, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 0, compoundingAllowed: false, statute: "BC RTA", section: "s. 27" },
+    "CA-QC": { maxPercent: 0, maxFlatCents: 0, useMinimum: false, gracePeriodDays: 0, compoundingAllowed: false, statute: "QC CCQ", section: "Art. 1883" },
+};
+// Default for unlisted jurisdictions
+const DEFAULT_LATE_FEE_RULES = {
+    maxPercent: 10,
+    maxFlatCents: 0,
+    useMinimum: false,
+    gracePeriodDays: 0,
+    compoundingAllowed: false,
+    statute: "Varies by jurisdiction",
+    section: "Check local law",
+};
+export class ActiveTenancySkill extends BaseSkill {
+    id = "huddle-active-tenancy";
+    name = "Active Tenancy Compliance";
+    jurisdiction = "US-CFTC"; // Universal
+    version = "1.0.0";
+    capabilities = [
+        "payment-compliance",
+        "late-fee-validation",
+    ];
+    targetJurisdiction;
+    constructor(jurisdiction) {
+        super();
+        this.targetJurisdiction = jurisdiction ?? "US-TX";
+    }
+    /**
+     * Create a jurisdiction-specific active tenancy skill
+     */
+    static forJurisdiction(jurisdiction) {
+        return new ActiveTenancySkill(jurisdiction);
+    }
+    async validate(input) {
+        if (input.type !== "payment-compliance") {
+            return this.buildResult([{
+                    name: "input-type",
+                    passed: false,
+                    confidence: 1.0,
+                    note: `Active tenancy skill supports payment-compliance, received: ${input.type}`,
+                }], input);
+        }
+        const payment = input;
+        const checks = [
+            this.checkLateFee(payment),
+            this.checkGracePeriod(payment),
+            this.checkPaymentTimeliness(payment),
+        ];
+        return this.buildResult(checks, input);
+    }
+    /**
+     * Validate late fee against jurisdiction-specific caps
+     */
+    checkLateFee(input) {
+        const rules = LATE_FEE_RULES[this.targetJurisdiction] ?? DEFAULT_LATE_FEE_RULES;
+        const lateFee = input.lateFeeAmountCents ?? 0;
+        const monthlyRent = input.monthlyRentCents;
+        // Canadian provinces generally prohibit late fees entirely
+        if (rules.maxPercent === 0 && rules.maxFlatCents === 0) {
+            const isProhibited = lateFee > 0;
+            return {
+                name: "late-fee-cap",
+                passed: !isProhibited,
+                confidence: 1.0,
+                note: isProhibited
+                    ? `Late fees are PROHIBITED in ${this.targetJurisdiction} per ${rules.statute} ${rules.section}`
+                    : `No late fee charged. ${this.targetJurisdiction} prohibits late fees.`,
+                citation: {
+                    statute: rules.statute,
+                    section: rules.section,
+                    summary: "Late fees/charges are prohibited for residential tenancies",
+                },
+            };
+        }
+        const percentCap = Math.floor(monthlyRent * (rules.maxPercent / 100));
+        let maxAllowed;
+        if (rules.maxFlatCents > 0 && rules.useMinimum) {
+            maxAllowed = Math.min(percentCap, rules.maxFlatCents);
+        }
+        else if (rules.maxFlatCents > 0) {
+            maxAllowed = Math.max(percentCap, rules.maxFlatCents);
+        }
+        else {
+            maxAllowed = percentCap;
+        }
+        const withinCap = lateFee <= maxAllowed;
+        return {
+            name: "late-fee-cap",
+            passed: withinCap,
+            confidence: 0.9,
+            note: withinCap
+                ? `Late fee ($${(lateFee / 100).toFixed(2)}) within ${this.targetJurisdiction} cap ($${(maxAllowed / 100).toFixed(2)})`
+                : `Late fee ($${(lateFee / 100).toFixed(2)}) exceeds ${this.targetJurisdiction} cap of $${(maxAllowed / 100).toFixed(2)} (${rules.maxPercent}% of rent)`,
+            citation: {
+                statute: rules.statute,
+                section: rules.section,
+                summary: `Late fee cap: ${rules.maxPercent}% of rent${rules.maxFlatCents > 0 ? ` or $${(rules.maxFlatCents / 100).toFixed(2)}` : ""}${rules.useMinimum ? " (whichever is less)" : ""}`,
+            },
+            details: {
+                lateFeeCents: lateFee,
+                maxAllowedCents: maxAllowed,
+                jurisdiction: this.targetJurisdiction,
+                rules,
+            },
+        };
+    }
+    /**
+     * Validate grace period compliance
+     */
+    checkGracePeriod(input) {
+        const rules = LATE_FEE_RULES[this.targetJurisdiction] ?? DEFAULT_LATE_FEE_RULES;
+        const gracePeriod = input.gracePeriodDays ?? 0;
+        const required = rules.gracePeriodDays;
+        if (required === 0) {
+            return {
+                name: "grace-period",
+                passed: true,
+                confidence: 0.8,
+                note: `${this.targetJurisdiction} has no statutory grace period requirement. Current: ${gracePeriod} days.`,
+                citation: { statute: rules.statute, section: rules.section, summary: "No statutory grace period" },
+            };
+        }
+        const met = gracePeriod >= required;
+        return {
+            name: "grace-period",
+            passed: met,
+            confidence: 1.0,
+            note: met
+                ? `${gracePeriod}-day grace period meets ${this.targetJurisdiction} ${required}-day requirement`
+                : `${gracePeriod}-day grace period is below ${this.targetJurisdiction} ${required}-day requirement`,
+            citation: {
+                statute: rules.statute,
+                section: rules.section,
+                summary: `Minimum ${required}-day grace period before late fees`,
+            },
+        };
+    }
+    /**
+     * Track payment timeliness
+     */
+    checkPaymentTimeliness(input) {
+        const dueDate = new Date(input.dueDate);
+        const paymentDate = new Date(input.paymentDate);
+        const daysLate = Math.max(0, Math.floor((paymentDate.getTime() - dueDate.getTime()) / 86400000));
+        return {
+            name: "payment-timeliness",
+            passed: daysLate === 0,
+            confidence: 1.0,
+            note: daysLate === 0
+                ? "Payment received on or before due date. On-time streak maintained."
+                : `Payment is ${daysLate} day(s) late. This may affect credit score and homeownership readiness.`,
+            details: {
+                dueDate: input.dueDate,
+                paymentDate: input.paymentDate,
+                daysLate,
+            },
+        };
+    }
+    checkToRemediation(check) {
+        switch (check.name) {
+            case "late-fee-cap":
+                return {
+                    action: "reduce_late_fee",
+                    description: `Reduce late fee to within ${this.targetJurisdiction} statutory cap`,
+                    urgency: "required",
+                    automatable: true,
+                };
+            case "grace-period":
+                return {
+                    action: "extend_grace_period",
+                    description: "Extend grace period to meet jurisdictional minimum",
+                    urgency: "required",
+                    automatable: true,
+                };
+            case "payment-timeliness":
+                return {
+                    action: "setup_auto_pay",
+                    description: "Set up automatic rent payments to maintain on-time payment streak and protect credit score",
+                    urgency: "recommended",
+                    automatable: true,
+                };
+            default:
+                return super.checkToRemediation(check);
+        }
+    }
+    getMetadata() {
+        return {
+            ...super.getMetadata(),
+            description: `Active tenancy compliance: late fee validation, grace period enforcement, payment timeliness tracking. Jurisdiction-aware rules for ${Object.keys(LATE_FEE_RULES).length}+ jurisdictions.`,
+            tags: ["payment", "late-fee", "grace-period", "tenancy", "compliance"],
+        };
+    }
+}
+export const activeTenancySkill = new ActiveTenancySkill();
+/** Pre-built jurisdiction-specific instances */
+export const activeTenancySkills = {
+    "US-NY": ActiveTenancySkill.forJurisdiction("US-NY"),
+    "US-CA": ActiveTenancySkill.forJurisdiction("US-CA"),
+    "US-TX": ActiveTenancySkill.forJurisdiction("US-TX"),
+    "US-FL": ActiveTenancySkill.forJurisdiction("US-FL"),
+    "US-MA": ActiveTenancySkill.forJurisdiction("US-MA"),
+    "CA-ON": ActiveTenancySkill.forJurisdiction("CA-ON"),
+    "CA-BC": ActiveTenancySkill.forJurisdiction("CA-BC"),
+    "CA-QC": ActiveTenancySkill.forJurisdiction("CA-QC"),
+};
+//# sourceMappingURL=active-tenancy.js.map

package/dist/jurisdictions/lifecycle/active-tenancy.js.map

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package/dist/jurisdictions/lifecycle/homeownership-readiness.d.ts

@@ -0,0 +1,60 @@
+/**
+ * Homeownership Readiness Skill
+ *
+ * The core differentiator: assesses a renter's readiness to become a homeowner.
+ * Not jurisdiction-specific — applies universally with jurisdiction-aware program matching.
+ *
+ * Capabilities:
+ * - Down payment progress tracking with timeline projection
+ * - Mortgage readiness assessment (DTI, credit, employment)
+ * - First-time buyer program matching (FHA, VA, USDA, state programs)
+ * - Closing cost estimation
+ * - Actionable roadmap to homeownership
+ */
+import { BaseSkill } from "../../base.js";
+import type { SkillInput, SkillResult, SkillCheck, SkillCapability, RemediationStep, SkillMetadata } from "../../types/index.js";
+export declare class HomeownershipReadinessSkill extends BaseSkill {
+    readonly id = "huddle-homeownership-readiness";
+    readonly name = "Homeownership Readiness Assessment";
+    readonly jurisdiction: "US-CFTC";
+    readonly version = "1.0.0";
+    readonly capabilities: SkillCapability[];
+    validate(input: SkillInput): Promise<SkillResult>;
+    /**
+     * Debt-to-Income Ratio Assessment
+     * Front-end DTI (housing only): ideally < 28%
+     * Back-end DTI (all debt): ideally < 36%, max 43% for most loans, 50% for FHA
+     */
+    private checkDTIRatio;
+    /**
+     * Credit Score Assessment
+     * 740+: Excellent (best rates)
+     * 700-739: Good
+     * 660-699: Fair (conventional possible)
+     * 620-659: FHA eligible
+     * 580-619: FHA with 3.5% down
+     * 500-579: FHA with 10% down
+     * <500: Not mortgage-eligible
+     */
+    private checkCreditScore;
+    /**
+     * Down Payment Progress
+     * Tracks savings vs target and projects completion date
+     */
+    private checkDownPaymentProgress;
+    /**
+     * Employment Stability
+     * Most lenders require 2 years of stable employment
+     */
+    private checkEmploymentStability;
+    /**
+     * First-Time Buyer Program Matching
+     * Evaluates eligibility for FHA, VA, USDA, and conventional programs
+     */
+    private checkProgramEligibility;
+    private matchPrograms;
+    protected checkToRemediation(check: SkillCheck): RemediationStep;
+    getMetadata(): SkillMetadata;
+}
+export declare const homeownershipReadinessSkill: HomeownershipReadinessSkill;
+//# sourceMappingURL=homeownership-readiness.d.ts.map

package/dist/jurisdictions/lifecycle/homeownership-readiness.d.ts.map

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