{
      "name": "collections-compliance-pack",
      "domain": "Consumer Lending & Fair Lending",
      "title": "Collections Compliance Pack",
      "description": "Linear two-step chain for debt-collection compliance review. Step 1 checks a declared call log against the Regulation F 12 CFR 1006.14(b) 7-in-7 and post-conversation quiet-period rebuttable presumptions. Step 2 checks a debt-validation-notice content-element checklist against 12 CFR 1006.34 / Model Form B-1 and computes the 30-day response-period math. Both presumption and completeness checks are over DECLARED inputs -- neither determines that harassment occurred or that a notice's disclosed amounts are accurate.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/collections-compliance-pack.html",
      "regulatory_refs": [
        "12 CFR 1006.14(b) (Regulation F call-frequency rebuttable presumptions)",
        "12 CFR 1006.34 (Regulation F validation-notice content requirements)",
        "Model Form B-1 (Appendix B)"
      ],
      "steps": [
        {
          "tool_id": "art-402-validate-regf-call-frequency",
          "handoff": "Per-debt 7-in-7 and quiet-period presumption findings. Independent of Step 2's notice-completeness check -- both run against the same declared debt collection file."
        },
        {
          "tool_id": "art-403-check-debt-validation-notice",
          "handoff": "Validation-notice element completeness grade and 30-day response-period math, completing the collections compliance review."
        }
      ]
    }