{
  "format": "minctrl.process/v1",
  "graph": {
    "edges": [
      {
        "id": "e0___start____intake",
        "source": "__start__",
        "target": "intake"
      },
      {
        "id": "e1_intake__validate_notice",
        "source": "intake",
        "target": "validate_notice"
      },
      {
        "id": "e2_validate_notice__tier",
        "source": "validate_notice",
        "target": "tier"
      },
      {
        "id": "e3_tier__autoreach",
        "label": "early-stage / current balance",
        "source": "tier",
        "target": "autoreach"
      },
      {
        "id": "e4_tier__checks",
        "label": "serious delinquency / disputed / settlement candidate",
        "source": "tier",
        "target": "checks"
      },
      {
        "id": "e5_autoreach__outreach_state",
        "source": "autoreach",
        "target": "outreach_state"
      },
      {
        "id": "e6_outreach_state__monitor",
        "label": "paying / no response",
        "source": "outreach_state",
        "target": "monitor"
      },
      {
        "id": "e7_outreach_state__checks",
        "label": "disputed in writing / cease-communication — stop collection, validate (1692g(b))",
        "source": "outreach_state",
        "target": "checks"
      },
      {
        "id": "e8_checks__validate",
        "source": "checks",
        "target": "validate"
      },
      {
        "id": "e9_checks__assess",
        "source": "checks",
        "target": "assess"
      },
      {
        "id": "e10_validate__draft",
        "source": "validate",
        "target": "draft"
      },
      {
        "id": "e11_assess__draft",
        "source": "assess",
        "target": "draft"
      },
      {
        "id": "e12_draft__signoff",
        "source": "draft",
        "target": "signoff"
      },
      {
        "id": "e13_signoff__decision",
        "source": "signoff",
        "target": "decision"
      },
      {
        "id": "e14_decision__execute",
        "label": "settlement approved",
        "source": "decision",
        "target": "execute"
      },
      {
        "id": "e15_decision__pre-furnish",
        "label": "adverse action approved",
        "source": "decision",
        "target": "pre-furnish"
      },
      {
        "id": "e16_decision__draft",
        "label": "send back for rework",
        "source": "decision",
        "target": "draft"
      },
      {
        "id": "e17_pre-furnish__adverse-action",
        "source": "pre-furnish",
        "target": "adverse-action"
      },
      {
        "id": "e18_execute__monitor",
        "source": "execute",
        "target": "monitor"
      },
      {
        "id": "e19_adverse-action__monitor",
        "source": "adverse-action",
        "target": "monitor"
      },
      {
        "id": "e20_monitor____end__",
        "source": "monitor",
        "target": "__end__"
      }
    ],
    "nodes": [
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "__start__",
        "interrupt_before": false,
        "kind": "terminal",
        "label": "Start",
        "position": {
          "x": 0,
          "y": 0
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "terminal",
        "tools": []
      },
      {
        "agent": "intake",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "intake",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Segment delinquent accounts, pull balances, credit-bureau data and dispute flags",
        "position": {
          "x": 0,
          "y": 120
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "account-ledger",
          "credit-bureau"
        ]
      },
      {
        "agent": "outreach",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "validate_notice",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Send the §1006.34 validation notice in or within 5 days of the initial communication — debt itemization since the itemization date, dispute rights, original-creditor-information request right, and electronic opt-out (15 USC 1692g(a); 12 CFR 1006.34). Precondition for all downstream collection",
        "position": {
          "x": 0,
          "y": 240
        },
        "reversible": true,
        "sla": "within 5 days of initial communication (12 CFR 1006.34)",
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "comms-outreach",
          "account-ledger"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "exclusive",
        "human": null,
        "id": "tier",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Account tier? (early-stage current-balance vs serious-delinquency / disputed / settlement-candidate)",
        "position": {
          "x": 0,
          "y": 360
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": "outreach",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "autoreach",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Run compliant omnichannel outreach within Reg F / TCPA limits and offer a self-serve payment plan — Reg F caps: ≤7 calls/7 days per debt, none within 7 days after a phone conversation, contact 8am-9pm local, honor medium opt-out & cease-communication (12 CFR 1006.14, 1006.6)",
        "position": {
          "x": 0,
          "y": 480
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "comms-outreach"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "exclusive",
        "human": null,
        "id": "outreach_state",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Consumer response? (paying / no response vs disputed in writing / cease-communication — FDCPA 1692g(b) requires stopping collection until the debt is validated)",
        "position": {
          "x": 0,
          "y": 600
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "parallel",
        "human": null,
        "id": "checks",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Fan out independent checks on the serious / disputed account",
        "position": {
          "x": 0,
          "y": 720
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": "compliance",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "validate",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Validate the dispute and check FDCPA / FCRA / Reg F rules for this account — on a timely written dispute, cease collection until verification is obtained and mailed (15 USC 1692g(b))",
        "position": {
          "x": 0,
          "y": 840
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "account-ledger"
        ]
      },
      {
        "agent": "compliance",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "assess",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Pull affordability / credit signals and size a feasible settlement or hardship plan",
        "position": {
          "x": 0,
          "y": 960
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "credit-bureau",
          "account-ledger"
        ]
      },
      {
        "agent": "compliance",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "draft",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Merge checks and draft the legal-escalation / settlement / disputed-debt-validation / adverse-action package",
        "position": {
          "x": 0,
          "y": 1080
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "account-ledger"
        ]
      },
      {
        "agent": null,
        "confidential": false,
        "gate": "gate:collections-signoff",
        "gateway": null,
        "human": "Collections manager / licensed attorney",
        "id": "signoff",
        "interrupt_before": true,
        "kind": "gate",
        "label": "Review and sign legal escalation, settlement terms, disputed-debt validation, or adverse action (CRA furnishing / charge-off / legal referral / debt sale)",
        "position": {
          "x": 0,
          "y": 1200
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": []
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": "exclusive",
        "human": null,
        "id": "decision",
        "interrupt_before": false,
        "kind": "gateway",
        "label": "Manager verdict? (settlement approved vs adverse action approved vs send back for rework)",
        "position": {
          "x": 0,
          "y": 1320
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "gateway",
        "tools": []
      },
      {
        "agent": "execute",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "execute",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Post the approved agreed settlement / payment-plan payment via payment rails (reversible benign outcome — not the adverse path)",
        "position": {
          "x": 0,
          "y": 1440
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "medium",
        "tools": [
          "payment-rails",
          "account-ledger"
        ]
      },
      {
        "agent": "compliance",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "pre-furnish",
        "interrupt_before": false,
        "kind": "agent",
        "label": "§1006.30 pre-furnishing gate: confirm the consumer was spoken to in person/by phone, or a debt notice was mailed/sent and a reasonable period (14 consecutive days) passed with no undeliverability, before any credit-bureau furnishing (12 CFR 1006.30)",
        "position": {
          "x": 0,
          "y": 1560
        },
        "reversible": true,
        "sla": "14-day reasonable period (12 CFR 1006.30)",
        "sla_spec": null,
        "tier": "low",
        "tools": [
          "account-ledger",
          "comms-outreach"
        ]
      },
      {
        "agent": "execute",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "adverse-action",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Execute the approved adverse action — credit-bureau furnishing, charge-off, legal referral, or debt sale/placement (irreversible legal/credit consequences)",
        "position": {
          "x": 0,
          "y": 1680
        },
        "reversible": false,
        "sla": null,
        "sla_spec": null,
        "tier": "high",
        "tools": [
          "credit-bureau",
          "account-ledger"
        ]
      },
      {
        "agent": "monitor",
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "monitor",
        "interrupt_before": false,
        "kind": "agent",
        "label": "Log every contact and outcome for compliance defense and handle FCRA disputes on furnished tradelines",
        "position": {
          "x": 0,
          "y": 1800
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "low",
        "tools": []
      },
      {
        "agent": null,
        "confidential": false,
        "gate": null,
        "gateway": null,
        "human": null,
        "id": "__end__",
        "interrupt_before": false,
        "kind": "terminal",
        "label": "Done",
        "position": {
          "x": 0,
          "y": 1920
        },
        "reversible": true,
        "sla": null,
        "sla_spec": null,
        "tier": "terminal",
        "tools": []
      }
    ]
  },
  "hash": "d7f5ab004ffbc462b71c0e4f380329720745a90033d8dbd59dd95f3bf3b81965",
  "name": "Debt-collection / AR autopilot",
  "slug": "collections",
  "source": "example",
  "version": null,
  "violations": []
}