RULE-DISB-SUM: Disbursement lines sum to principal
| Kind | reconciliation |
| Severity | exception (blocks approval until it is overridden or a corrected re-run clears it) |
| Ruleset | v1.0 |
| Inputs | disbursement_lines, principal |
What it checks
Section titled “What it checks”The disbursement lines on the DR&A (closing documents) must sum exactly to the principal. The LAR’s approved disbursement list is not summed: it states what the borrower receives net of financed fees, which RULE-FEES-LAR reconciles instead.
How it decides
Section titled “How it decides”Every non-LAR disbursement_lines value (JSON [ { amount } ]) is summed and compared with the principal from the same document (falling back to the first principal in package order) within rules.money_tolerance_cents. Each document that does not add up gets its own finding, carrying the sum, the principal and the difference. The decision is deterministic code, not a model: extraction only supplies the values and their provenance.
Thresholds (Settings → Other options → rules)
Section titled “Thresholds (Settings → Other options → rules)”rules.money_tolerance_cents: money agreement tolerance in cents (default 0)
The thresholds in force are recorded on every reconciliation run. An administrator can switch this rule off under Settings → Rules; a disabled rule is skipped by later runs, and the skip is recorded on each run and in the evidence chain.
Example
Section titled “Example”Lines $1,237,490.00 + $12,500.00 = $1,249,990.00 against principal $1,250,000.00 → exception “short by 10.00”. This is the BK-DEMO-002 disbursement deviation.
Resolution
Section titled “Resolution”Correct the documents and re-process the package (a new reconciliation run is created; nothing is edited in place), or override the finding with a reason code from review.reason_codes and a written justification of at least review.justification_min_length characters. Overrides need the manager or administrator role. Accepting an exception records that a person reviewed it but does not clear it. Every action is recorded in the finding history and the evidence chain.