Reference Implementation

Governed Mortgage Forbearance Decisions.

A practical demonstration of how TraceLogic governs customer-impacting decisions from intake to replay. Loan modification, arrears capitalisation, term extension, and rate changes are reviewed, approved, controlled, and replayable with evidence.

Book a demo → Governance Controls
The Decision Type

Why mortgage forbearance?

Forbearance decisions are customer-impacting, regulator-watched, evidence-heavy, and reviewable. They touch policy, affordability, product structure, and operational risk. They also produce decisions that may need to be reconstructed later for audit or complaint review.

That makes them an honest test bed for a decision governance engine. If the model works here, it can be extended to other regulated decision types.

Decisions covered
Loan modification
Arrears capitalisation
Term extension
Rate changes
Forbearance arrangements
Split mortgage scenarios
The Lifecycle

From customer case to replayable proof

A short illustration of a governed case, start to finish, on synthetic data.

01
Customer case comes in
A forbearance request enters the system, often as a mix of customer-facing intake and supporting documents (statements, ID, hardship letters).
02
Evidence is captured
AI-assisted intake structures documents and case inputs. Each extracted value is linked to its source for later traceability.
03
Policy checks run
The case is evaluated against the active forbearance policy: eligibility rules, affordability checks, LTV brackets, and product-specific constraints.
04
Independent review and approval
A reviewer who did not propose the case sees the recommended outcome (e.g. modification, capitalisation, term extension, rate change) alongside the evidence and policy result, then approves, returns or rejects it.
05
Execution, then replay
Once approved, the operator carries out exactly the action that was approved, once. Months later, the full case — evidence, policy result, reviewer, approval and outcome — can be revisited and shown to match what was authorised.
Beyond Mortgage

The model extends

The mortgage use case is the first complete reference implementation. The same governance model applies to other regulated decision processes where evidence, policy, review, approval, controlled execution, and replay are needed.

Other decision types the model fits
Insurance claims decisions — a second governed sector, already exercised on the same core using a synthetic decision source
Credit operations exceptions
Regulated product approvals
Fraud and AML review outcomes
AI-assisted decision oversight
Compliance exception handling

Mortgage forbearance is the first complete reference implementation. Insurance is a second governed sector demonstrated on a synthetic decision source. The remaining domains are presented as a model fit, not a current deployment.

Next Step

See it run end to end

A platform demonstration walks the lifecycle on a controlled case using synthetic or approved test data.

Book a demo → Implementation Scope