The Lien Release Clock: Why the Last Step in Servicing Is the One That Gets Servicers Sued
A paid-off loan is a closed file to the servicing floor and an open statutory deadline to fifty state legislatures. Most states give the servicer a fixed window, often 30 to 90 days, to record the satisfaction or reconveyance, and many attach a per-violation penalty plus the borrower's damages and attorney fees. The deadline runs per loan, per state, per recording jurisdiction, which is exactly the kind of obligation that falls through a servicing operation's cracks. How an AI agent tracks the release clock to the county and proves it met it.