Benefit — ATR/QM stance
What Snapshot-grade ATR/QM stance actually saves you across the loan's life
ATR is the rule plaintiff counsel reaches for in wrongful-foreclosure and assignee-liability defense. Dated independent evidence is worth multiples of what it costs.
The three moments where it matters
- Foreclosure defense. Borrower raises ATR as a defense. The loan's origination decision needs to reproduce cleanly, potentially years later.
- Assignee-liability claim. Investor / servicer that bought the loan inherits ATR exposure. Documentation gap becomes their gap.
- CFPB TRID / ATR examination. Sample decisions must trace to defensible ATR determinations.
Dollar frame
Per-loan ATR damages: actual damages + statutory damages + special statutory damages + attorneys' fees. Rescission liability in some fact patterns.
Assignee-liability class-scale exposure: secondary-market execution risk if origination-side documentation gaps become known.
Preventive stance value: $499 Snapshot documents dated AI-decision reproducibility. Retention aligns with life-of-loan horizon.
Who at your org cares
- General Counsel — foreclosure + rescission defense
- Head of Servicing — loss-mitigation stance
- Head of Capital Markets — assignee-liability disclosure
- Chief Compliance Officer — ATR examination readiness
- CFO — loss reserve modeling
What "having it" looks like
Green: Snapshot on file. Every origination decision reproduces model version + inputs + reasoning. ATR defense proceeds on the merits, not on records-production gaps.
Red: AI-scored files from prior years cannot be reproduced. ATR defense turns into records-forensic exercise. Assignee-liability disclosure obligations kick in.
$499. 3 business days.
The dated ATR-reproducibility proof your GC + Head of Servicing want on file BEFORE the foreclosure defense round.
Buy $499