Source-fact documents

RFC0129 provides three descriptive profiles in current source. They carry attributable statements, not adopted underwriting or financial assurance:

Profile	Allowed contribution
loan-quote-v1	16 existing debt_structure facts, including quoted amount/rate/terms; no selected or funded loan
offering-memorandum-v1	Six property/appraisal facts; asking price, NOI, rent and occupancy schedules stay unmapped
appraisal-abstract-v1	Five appraisal opinion/date/approach fields in valuation; never underwritten value or a selected opinion

The OM count/area homes also keep Format5.5’s existing nonnegative/integer SIZE-01 contract; a source transcription cannot redefine those units.

The exact allowlists and native units are in RFC0129 and the Format. The optional conformance claim is document-facts, distinct from the three purpose ids. The catalog counts document families, not claims. This is current repository source; older registry packages sharing a version may not contain these APIs. No release or publication is implied.

Run the synthetic examples

From a current source checkout:

npm ci
npm run build
node examples/document-facts/check.mjs
node scripts/run-conformance.mjs --profile=document-facts

The example directory contains the three original RFC transcriptions as logical JSON and UWX, complete Lite views, source notes and an explicit synthetic projection target. The check script validates and reports candidates; it changes no file or underwriting input.

Validate attribution

import { validateDocumentFacts } from '@uwmd/verify';
const sourceInventory = {
  source_ids: ['source:qa-quote'],
  conflicting_source_ids: [], // an explicit host declaration, not inferred truth
};
const errors = validateDocumentFacts('loan-quote-v1', quote, sourceInventory);

The payload has required identity, effective date, currency, governing ids and facts. A non-null term states {value, source_ref:{source,locator}}. Null instead states exactly not_stated, ambiguous or not_reviewed; a supplied locator still resolves. Absence is outside coverage. No null means zero or no obligation. Both the root and term envelopes are closed. A duplicate decoded JSON key must be refused before a caller turns text into an object: use parseDocumentFactsJSON or parseDocumentFactsUWX for raw input. An already collapsed JavaScript object cannot reveal a key its caller erased.

The explicit inventory supplies immutable source/member identities. For a package, readDocumentFactsPackage(decoded, memberId, conflictingSourceIds) checks every byte digest, checks declared semantic digests, snapshots bytes before asynchronous work and resolves governing members/history. A declared semantic digest that cannot be checked refuses; it is never silently ignored. Standalone inventory membership establishes attribution structure, not source truth or identity authentication. Institution labels remain descriptive.

Request candidates explicitly

import { projectDocumentFacts } from '@uwmd/verify';
const result = projectDocumentFacts('loan-quote-v1', quote, parsedTarget, {
  source_inventory: sourceInventory,
  destinations: [{
    fact: 'debt_structure.loan_amount',
    deal_id: 'qa-document-facts-target',
    section: 'debt_structure',
    variant: 'senior',
    currency_code: 'USD',
  }],
});

The exact existing target block must resolve. Use an explicit null variant only for an unkeyed singleton; no first-variant or senior fallback occurs. Source, target and requested currencies must agree. Each candidate copies the stated value and locator unchanged. The record-facts-v1 report lists omissions, conflicts, no-ops and source findings in canonical fact-key order. Existing matching values are no-ops; differing values refuse. Invalid source structure or attribution yields no edits and reported refusals. Candidate application is a separate host action through normal provenance APIs. Neither input mutates.

Asking price never maps to purchase price. Quoted LTV/DSCR constraints never map to computed sizing. Appraised value never maps to underwritten value. No annualization, FX, netting, amortization or opinion selection happens.

Preserve disagreements and history

Amendments and conflicting governing sources do not project automatically. A reviewer can author a separately attributed resolution; source order grants no legal precedence. A supersedes id retains the prior document and its source history in the package through existing supersedes links. abstracts and contributes_to retain their existing member meanings. The reference uses the existing source_note member role for these descriptive abstracts; it adds no new role or parallel edge registry.

Binding scope

The public library, including browser exports, supports logical JSON/UWX admission, explicit candidates, package integrity/history and a complete Lite source view (renderDocumentFactsLite). That view shows every fact, null status, source locator, finding and unmapped statement. It is not the Lite deal summary. Compilation reports LITE_COMPILE_DOCUMENT_PROFILE_UNSUPPORTED.

CLI/MCP/HTTP fact validation and projection bindings are unsupported. The connector and shared MCP validation helper refuse a known fact purpose; generic Reader preservation/transport does not establish profile-operation support. DOCUMENT_FACTS_BINDINGS exposes this scope. Existing underwriting CLI commands and RFC0092 pro-forma bindings retain their own separate contracts.