Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/mortgage-trid-timeline-checklistWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-trid-timeline-checklist)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-trid-timeline-checklist"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-trid-timeline-checklist/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-trid-timeline-checklist"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-trid-timeline-checklist.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00095 | $0.00787 |
| Opus 5 | $0.00048 | $0.00394 |
| Sonnet 5 | $0.00019 | $0.00157 |
| Haiku 4.5 | $0.00010 | $0.00079 |
Grade A, and why
mortgage-trid-timeline-checklist scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 55 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Mortgage — TRID Timeline Compliance Checklist
Industry front door for checklist. Adds domain triggers, example, packs only. Parent Process unchanged. Not legal advice. Verify against current TILA-RESPA (Reg Z/X) and CFPB guidance; business-day rules have nuances.
Activate when: an application hits the 6-item threshold (LE clock starts); approaching closing (CD clock); any change-of-circumstance / re-disclosure; "did we send the LE in time?", "does this trigger a new 3-day wait?" Do NOT activate when: pre-application shopping with no six items collected.
Why this variant
The parent checklist is a verifiable gate. TRID is a hard-clock gate whose misses cause cure liability and closing delays. This maps the disclosure clocks onto the parent's gate discipline.
Domain inputs → parent's gate
- LE: provide within 3 business days of a complete application (the 6 items) and ≥7 business days before consummation.
- CD: received by borrower ≥ 3 business days before consummation.
- Re-disclosure triggers: APR beyond tolerance, loan-product change, prepayment penalty added → new 3-day CD wait.
- Tolerances: zero / 10% / unlimited buckets; changed-circumstance documentation to reset.
- Records: retain LE/CD and evidence of timing.
Worked example
Rate change two days before closing pushes APR beyond tolerance. → Gate: this triggers a corrected CD and a fresh 3-business-day wait — closing moves. Catch it now, not at the table. Undocumented change-of-circumstance = tolerance cure owed.
Compliance anchors
- TILA-RESPA Integrated Disclosure (Reg Z 1026.19); RESPA (Reg X); CFPB TRID guide.
Packs
- Solo LO: per-file clock card (LE start, CD deliver-by, re-disclosure watch).
- Brokerage: automated timeline alerts feeding the deadline engine.
Red flags
- LE sent late after the 6th item was in hand.
- APR/product change treated as no-impact.
- Changed circumstance claimed without documentation.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 9d ago First seen · 55 lines · 95 tokens per session scan A cdb83bd01ae9
mortgage-trid-timeline-checklist is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 10d ago), licensed MIT. It adds 95 tokens to every session and 787 once invoked, about $0.0005 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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