compctl 0.1.0

package/README.md

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+# compctl
+
+Lending compliance checks for TRID, ATR/QM, HMDA, and ECOA. Part of the **LendCtl Suite**.
+
+## Features
+
+- **TRID Timing** — LE/CD disclosure deadline tracking
+- **ATR/QM Check** — Qualified mortgage determination
+- **Adverse Action** — ECOA-compliant denial notices
+- **Risk Flags** — Identify compliance issues early
+
+## Installation
+
+```bash
+npm install -g compctl
+```
+
+## Quick Start
+
+### Check TRID Timing
+
+```bash
+compctl trid --app-date 2026-02-20 --closing-date 2026-03-15
+```
+
+### Check ATR/QM Compliance
+
+```bash
+compctl atr --loan-amount 300000 --dti 42 --points-fees 5000
+```
+
+### Generate Adverse Action Notice
+
+```bash
+# List standard reasons
+compctl adverse --list-reasons
+
+# Generate notice
+compctl adverse --applicant "John Smith" --reasons "1,2,5"
+```
+
+## Commands
+
+### `compctl trid`
+Check TRID timing compliance.
+
+Options:
+- `--app-date <date>` - Application date (required)
+- `--le-date <date>` - Loan Estimate disclosure date
+- `--cd-date <date>` - Closing Disclosure date
+- `--closing-date <date>` - Scheduled closing date
+
+### `compctl atr`
+Check ATR/QM compliance.
+
+Options:
+- `--loan-amount <amount>` - Loan amount
+- `--dti <percent>` - Debt-to-income ratio
+- `--points-fees <amount>` - Points and fees
+- `--neg-am` - Has negative amortization
+- `--interest-only` - Has interest-only period
+- `--balloon` - Has balloon payment
+
+### `compctl adverse`
+Generate adverse action notice.
+
+Options:
+- `--applicant <name>` - Applicant name
+- `--reasons <codes>` - Reason codes (1-16) or text
+- `--list-reasons` - Show standard reasons
+
+## Compliance Regulations
+
+### TRID (TILA-RESPA Integrated Disclosure)
+- Loan Estimate within 3 business days of application
+- Closing Disclosure 3 business days before closing
+
+### ATR/QM (Ability to Repay / Qualified Mortgage)
+- No risky features (neg-am, interest-only, balloon)
+- Points and fees under 3% (for loans ≥$100k)
+- DTI ≤43% for safe harbor
+
+### ECOA (Equal Credit Opportunity Act)
+- Specific reasons required for adverse action
+- Maximum 4 primary factors
+- Standard notices required
+
+## License
+
+MIT © Avatar Consulting

package/dist/commands/adverse.d.ts

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+/**
+ * compctl adverse command - Generate adverse action notice
+ */
+import { Command } from 'commander';
+export declare function createAdverseCommand(): Command;
+//# sourceMappingURL=adverse.d.ts.map

package/dist/commands/adverse.d.ts.map

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package/dist/commands/adverse.js

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+"use strict";
+/**
+ * compctl adverse command - Generate adverse action notice
+ */
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.createAdverseCommand = createAdverseCommand;
+const commander_1 = require("commander");
+const checks_1 = require("../lib/checks");
+function createAdverseCommand() {
+    const adverse = new commander_1.Command('adverse')
+        .description('Generate ECOA-compliant adverse action notice')
+        .option('--applicant <name>', 'Applicant name', 'Applicant')
+        .option('--app-date <date>', 'Application date', new Date().toISOString().split('T')[0])
+        .option('--creditor <name>', 'Creditor name', 'Lender')
+        .option('--creditor-address <addr>', 'Creditor address', '123 Main St')
+        .option('--reasons <codes>', 'Comma-separated reason codes (1-16) or text')
+        .option('--list-reasons', 'List standard adverse action reasons', false)
+        .option('--format <type>', 'Output format (json|text)', 'text')
+        .action(async (options) => {
+        if (options.listReasons) {
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('STANDARD ADVERSE ACTION REASONS');
+            console.log('═══════════════════════════════════════════════════════════════');
+            checks_1.ADVERSE_ACTION_REASONS.forEach((reason, i) => {
+                console.log(`${(i + 1).toString().padStart(2)}. ${reason}`);
+            });
+            console.log('═══════════════════════════════════════════════════════════════');
+            return;
+        }
+        let reasons = [];
+        if (options.reasons) {
+            const parts = options.reasons.split(',');
+            for (const part of parts) {
+                const trimmed = part.trim();
+                const num = parseInt(trimmed);
+                if (!isNaN(num) && num >= 1 && num <= checks_1.ADVERSE_ACTION_REASONS.length) {
+                    reasons.push(checks_1.ADVERSE_ACTION_REASONS[num - 1]);
+                }
+                else {
+                    reasons.push(trimmed);
+                }
+            }
+        }
+        const notice = (0, checks_1.generateAdverseAction)(options.applicant, options.appDate, options.creditor, options.creditorAddress, reasons);
+        if (options.format === 'json') {
+            console.log(JSON.stringify(notice, null, 2));
+        }
+        else {
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('NOTICE OF ADVERSE ACTION');
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('');
+            console.log(`Date: ${notice.decisionDate}`);
+            console.log(`To: ${notice.applicantName}`);
+            console.log('');
+            console.log(`Your application for credit dated ${notice.applicationDate} has been`);
+            console.log('denied based on the following reason(s):');
+            console.log('');
+            if (notice.reasons.length > 0) {
+                for (const reason of notice.reasons) {
+                    console.log(`  • ${reason}`);
+                }
+            }
+            else {
+                console.log('  [No specific reasons provided - COMPLIANCE WARNING]');
+            }
+            console.log('');
+            console.log('───────────────────────────────────────────────────────────────');
+            console.log('EQUAL CREDIT OPPORTUNITY ACT NOTICE');
+            console.log('───────────────────────────────────────────────────────────────');
+            console.log(notice.ecoaNotice);
+            console.log('');
+            console.log('───────────────────────────────────────────────────────────────');
+            console.log('FAIR CREDIT REPORTING ACT NOTICE');
+            console.log('───────────────────────────────────────────────────────────────');
+            console.log(notice.fcraNotice);
+            console.log('');
+            console.log(`${notice.creditorName}`);
+            console.log(`${notice.creditorAddress}`);
+            console.log('═══════════════════════════════════════════════════════════════');
+        }
+    });
+    return adverse;
+}
+//# sourceMappingURL=adverse.js.map

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package/dist/commands/atr.d.ts

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+/**
+ * compctl atr command - Check ATR/QM compliance
+ */
+import { Command } from 'commander';
+export declare function createAtrCommand(): Command;
+//# sourceMappingURL=atr.d.ts.map

package/dist/commands/atr.d.ts.map

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package/dist/commands/atr.js

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+"use strict";
+/**
+ * compctl atr command - Check ATR/QM compliance
+ */
+var __createBinding = (this && this.__createBinding) || (Object.create ? (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    var desc = Object.getOwnPropertyDescriptor(m, k);
+    if (!desc || ("get" in desc ? !m.__esModule : desc.writable || desc.configurable)) {
+      desc = { enumerable: true, get: function() { return m[k]; } };
+    }
+    Object.defineProperty(o, k2, desc);
+}) : (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    o[k2] = m[k];
+}));
+var __setModuleDefault = (this && this.__setModuleDefault) || (Object.create ? (function(o, v) {
+    Object.defineProperty(o, "default", { enumerable: true, value: v });
+}) : function(o, v) {
+    o["default"] = v;
+});
+var __importStar = (this && this.__importStar) || (function () {
+    var ownKeys = function(o) {
+        ownKeys = Object.getOwnPropertyNames || function (o) {
+            var ar = [];
+            for (var k in o) if (Object.prototype.hasOwnProperty.call(o, k)) ar[ar.length] = k;
+            return ar;
+        };
+        return ownKeys(o);
+    };
+    return function (mod) {
+        if (mod && mod.__esModule) return mod;
+        var result = {};
+        if (mod != null) for (var k = ownKeys(mod), i = 0; i < k.length; i++) if (k[i] !== "default") __createBinding(result, mod, k[i]);
+        __setModuleDefault(result, mod);
+        return result;
+    };
+})();
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.createAtrCommand = createAtrCommand;
+const commander_1 = require("commander");
+const fs = __importStar(require("fs"));
+const checks_1 = require("../lib/checks");
+function createAtrCommand() {
+    const atr = new commander_1.Command('atr')
+        .description('Check ATR/QM compliance')
+        .option('-f, --file <path>', 'Loan data JSON file')
+        .option('--loan-amount <amount>', 'Loan amount')
+        .option('--dti <percent>', 'Debt-to-income ratio')
+        .option('--points-fees <amount>', 'Total points and fees')
+        .option('--neg-am', 'Has negative amortization', false)
+        .option('--interest-only', 'Has interest-only period', false)
+        .option('--balloon', 'Has balloon payment', false)
+        .option('--prepay-penalty', 'Has prepayment penalty', false)
+        .option('--term <months>', 'Loan term in months', '360')
+        .option('--format <type>', 'Output format (json|table)', 'table')
+        .action(async (options) => {
+        let loan;
+        if (options.file) {
+            const content = fs.readFileSync(options.file, 'utf-8');
+            loan = JSON.parse(content);
+        }
+        else {
+            loan = {
+                loanId: 'CLI-INPUT',
+                applicationDate: new Date().toISOString().split('T')[0],
+                loanAmount: parseFloat(options.loanAmount || '300000'),
+                propertyValue: parseFloat(options.loanAmount || '300000') * 1.25,
+                interestRate: 6.5,
+                termMonths: parseInt(options.term),
+                monthlyPayment: 0,
+                dti: parseFloat(options.dti || '35'),
+                ltv: 80,
+                creditScore: 720,
+                pointsAndFees: parseFloat(options.pointsFees || '0'),
+                negativeAmortization: options.negAm,
+                interestOnly: options.interestOnly,
+                balloonPayment: options.balloon,
+                prepaymentPenalty: options.prepayPenalty,
+                borrowerIncome: 100000,
+                propertyType: 'single-family',
+                occupancy: 'primary',
+                loanPurpose: 'purchase',
+                loanType: 'conventional',
+            };
+        }
+        const result = (0, checks_1.checkAtrQm)(loan);
+        if (options.format === 'json') {
+            console.log(JSON.stringify(result, null, 2));
+        }
+        else {
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('ATR/QM COMPLIANCE CHECK');
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('');
+            const qmStatus = result.isQm ? '✓ QUALIFIED MORTGAGE' : '✗ NON-QM';
+            console.log(`QM Status:          ${qmStatus}`);
+            if (result.qmType) {
+                console.log(`QM Type:            ${result.qmType.toUpperCase()}`);
+            }
+            console.log('');
+            console.log('KEY METRICS');
+            console.log('───────────────────────────────────────────────────────────────');
+            const dtiStatus = result.dti <= result.dtiLimit ? '✓' : '⚠';
+            console.log(`${dtiStatus} DTI:               ${result.dti}% (limit: ${result.dtiLimit}%)`);
+            const pfStatus = result.pointsAndFees <= result.pointsAndFeesLimit ? '✓' : '✗';
+            console.log(`${pfStatus} Points & Fees:     $${result.pointsAndFees.toLocaleString()} (limit: $${result.pointsAndFeesLimit.toLocaleString()})`);
+            if (result.riskyFeatures.length > 0) {
+                console.log('');
+                console.log('RISKY FEATURES');
+                console.log('───────────────────────────────────────────────────────────────');
+                for (const feature of result.riskyFeatures) {
+                    console.log(`  ✗ ${feature}`);
+                }
+            }
+            if (result.findings.length > 0) {
+                console.log('');
+                console.log('FINDINGS');
+                console.log('───────────────────────────────────────────────────────────────');
+                for (const f of result.findings) {
+                    const icon = f.severity === 'critical' ? '🚨' : f.severity === 'major' ? '⚠' : 'ℹ';
+                    console.log(`${icon} [${f.code}] ${f.description}`);
+                    if (f.remediation)
+                        console.log(`   → ${f.remediation}`);
+                }
+            }
+            console.log('═══════════════════════════════════════════════════════════════');
+        }
+    });
+    return atr;
+}
+//# sourceMappingURL=atr.js.map

package/dist/commands/atr.js.map

@@ -0,0 +1 @@
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package/dist/commands/trid.d.ts

@@ -0,0 +1,6 @@
+/**
+ * compctl trid command - Check TRID timing compliance
+ */
+import { Command } from 'commander';
+export declare function createTridCommand(): Command;
+//# sourceMappingURL=trid.d.ts.map

package/dist/commands/trid.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"trid.d.ts","sourceRoot":"","sources":["../../src/commands/trid.ts"],"names":[],"mappings":"AAAA;;GAEG;AAEH,OAAO,EAAE,OAAO,EAAE,MAAM,WAAW,CAAC;AAGpC,wBAAgB,iBAAiB,IAAI,OAAO,CAwD3C"}

package/dist/commands/trid.js

@@ -0,0 +1,68 @@
+"use strict";
+/**
+ * compctl trid command - Check TRID timing compliance
+ */
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.createTridCommand = createTridCommand;
+const commander_1 = require("commander");
+const checks_1 = require("../lib/checks");
+function createTridCommand() {
+    const trid = new commander_1.Command('trid')
+        .description('Check TRID timing compliance')
+        .requiredOption('--app-date <date>', 'Application date (YYYY-MM-DD)')
+        .option('--le-date <date>', 'Loan Estimate disclosure date')
+        .option('--cd-date <date>', 'Closing Disclosure date')
+        .option('--closing-date <date>', 'Scheduled closing date')
+        .option('--format <type>', 'Output format (json|table)', 'table')
+        .action(async (options) => {
+        const result = (0, checks_1.checkTridTiming)({
+            applicationDate: options.appDate,
+            leDisclosureDate: options.leDate,
+            cdDisclosureDate: options.cdDate,
+            closingDate: options.closingDate,
+        });
+        if (options.format === 'json') {
+            console.log(JSON.stringify(result, null, 2));
+        }
+        else {
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('TRID TIMING COMPLIANCE');
+            console.log('═══════════════════════════════════════════════════════════════');
+            console.log('');
+            console.log(`Application Date:   ${result.applicationDate}`);
+            if (result.leDisclosureDate)
+                console.log(`LE Disclosure:      ${result.leDisclosureDate}`);
+            if (result.cdDisclosureDate)
+                console.log(`CD Disclosure:      ${result.cdDisclosureDate}`);
+            if (result.closingDate)
+                console.log(`Closing Date:       ${result.closingDate}`);
+            console.log('');
+            console.log('STATUS');
+            console.log('───────────────────────────────────────────────────────────────');
+            const leStatus = result.leCompliant ? '✓ COMPLIANT' : '✗ NON-COMPLIANT';
+            const cdStatus = result.cdCompliant ? '✓ COMPLIANT' : '✗ NON-COMPLIANT';
+            console.log(`Loan Estimate:      ${leStatus}`);
+            if (result.daysUntilLeDeadline) {
+                console.log(`  Days until deadline: ${result.daysUntilLeDeadline}`);
+            }
+            console.log(`Closing Disclosure: ${cdStatus}`);
+            if (result.daysUntilCdDeadline) {
+                console.log(`  Days until deadline: ${result.daysUntilCdDeadline}`);
+            }
+            if (result.findings.length > 0) {
+                console.log('');
+                console.log('FINDINGS');
+                console.log('───────────────────────────────────────────────────────────────');
+                for (const f of result.findings) {
+                    const icon = f.severity === 'critical' ? '🚨' : f.severity === 'major' ? '⚠' : 'ℹ';
+                    console.log(`${icon} [${f.code}] ${f.description}`);
+                    if (f.remediation)
+                        console.log(`   → ${f.remediation}`);
+                }
+            }
+            console.log('═══════════════════════════════════════════════════════════════');
+        }
+    });
+    return trid;
+}
+//# sourceMappingURL=trid.js.map

package/dist/commands/trid.js.map

@@ -0,0 +1 @@
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package/dist/index.d.ts

@@ -0,0 +1,8 @@
+#!/usr/bin/env node
+/**
+ * compctl - Lending compliance checks
+ * Part of the LendCtl Suite
+ */
+export * from './lib/checks';
+export * from './types';
+//# sourceMappingURL=index.d.ts.map

package/dist/index.d.ts.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.d.ts","sourceRoot":"","sources":["../src/index.ts"],"names":[],"mappings":";AAEA;;;GAGG;AAoBH,cAAc,cAAc,CAAC;AAC7B,cAAc,SAAS,CAAC"}

package/dist/index.js

@@ -0,0 +1,37 @@
+#!/usr/bin/env node
+"use strict";
+/**
+ * compctl - Lending compliance checks
+ * Part of the LendCtl Suite
+ */
+var __createBinding = (this && this.__createBinding) || (Object.create ? (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    var desc = Object.getOwnPropertyDescriptor(m, k);
+    if (!desc || ("get" in desc ? !m.__esModule : desc.writable || desc.configurable)) {
+      desc = { enumerable: true, get: function() { return m[k]; } };
+    }
+    Object.defineProperty(o, k2, desc);
+}) : (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    o[k2] = m[k];
+}));
+var __exportStar = (this && this.__exportStar) || function(m, exports) {
+    for (var p in m) if (p !== "default" && !Object.prototype.hasOwnProperty.call(exports, p)) __createBinding(exports, m, p);
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+const commander_1 = require("commander");
+const trid_1 = require("./commands/trid");
+const atr_1 = require("./commands/atr");
+const adverse_1 = require("./commands/adverse");
+const program = new commander_1.Command();
+program
+    .name('compctl')
+    .description('Lending compliance checks (TRID, ATR/QM, HMDA, ECOA) - part of the LendCtl Suite')
+    .version('0.1.0');
+program.addCommand((0, trid_1.createTridCommand)());
+program.addCommand((0, atr_1.createAtrCommand)());
+program.addCommand((0, adverse_1.createAdverseCommand)());
+program.parse();
+__exportStar(require("./lib/checks"), exports);
+__exportStar(require("./types"), exports);
+//# sourceMappingURL=index.js.map

package/dist/index.js.map

@@ -0,0 +1 @@
+{"version":3,"file":"index.js","sourceRoot":"","sources":["../src/index.ts"],"names":[],"mappings":";;AAEA;;;GAGG;;;;;;;;;;;;;;;;AAEH,yCAAoC;AACpC,0CAAoD;AACpD,wCAAkD;AAClD,gDAA0D;AAE1D,MAAM,OAAO,GAAG,IAAI,mBAAO,EAAE,CAAC;AAE9B,OAAO;KACJ,IAAI,CAAC,SAAS,CAAC;KACf,WAAW,CAAC,kFAAkF,CAAC;KAC/F,OAAO,CAAC,OAAO,CAAC,CAAC;AAEpB,OAAO,CAAC,UAAU,CAAC,IAAA,wBAAiB,GAAE,CAAC,CAAC;AACxC,OAAO,CAAC,UAAU,CAAC,IAAA,sBAAgB,GAAE,CAAC,CAAC;AACvC,OAAO,CAAC,UAAU,CAAC,IAAA,8BAAoB,GAAE,CAAC,CAAC;AAE3C,OAAO,CAAC,KAAK,EAAE,CAAC;AAEhB,+CAA6B;AAC7B,0CAAwB"}

package/dist/lib/checks.d.ts

@@ -0,0 +1,30 @@
+/**
+ * Compliance check implementations
+ */
+import { LoanData, TridTiming, AtrQmResult, ComplianceCheck, AdverseActionNotice } from '../types';
+/**
+ * Check TRID timing requirements
+ */
+export declare function checkTridTiming(data: {
+    applicationDate: string;
+    leDisclosureDate?: string;
+    cdDisclosureDate?: string;
+    closingDate?: string;
+}): TridTiming;
+/**
+ * Check ATR/QM requirements
+ */
+export declare function checkAtrQm(loan: LoanData): AtrQmResult;
+/**
+ * Check ECOA compliance and generate adverse action notice
+ */
+export declare function checkEcoa(loan: LoanData, decision: 'approved' | 'denied' | 'countered', reasons?: string[]): ComplianceCheck;
+/**
+ * Generate ECOA-compliant adverse action notice
+ */
+export declare function generateAdverseAction(applicantName: string, applicationDate: string, creditorName: string, creditorAddress: string, reasons: string[]): AdverseActionNotice;
+/**
+ * Standard adverse action reasons
+ */
+export declare const ADVERSE_ACTION_REASONS: string[];
+//# sourceMappingURL=checks.d.ts.map

package/dist/lib/checks.d.ts.map

@@ -0,0 +1 @@
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