> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cardinalgray.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Account Facts
> Object reference for the account_facts field — crystallized title review judgements returned on complete title entries
## Overview
`account_facts` is a top-level field on title entries (`DynamoDBEntry`) that packages four yes/no judgements an integration partner needs at a glance. Each fact includes a plain-language `summary` and `references` back into the underlying data.
Facts are derived from the **vehicle reconciliation engine** — the same projection that powers title review — not from raw `account_data` alone. They are computed **live on read** when you call `GET /title/{id}` (or the reconcile endpoint for opted-in orgs) and are only present when `job_status` is `complete`.
**Preview / not GA.** `account_facts` is currently returned only for eligible preview organizations. Other organizations receive no behavior change. Treat this surface as subject to change until generally available.
`account_discrepancies` and `account_matches` are deprecated in favor of `account_facts`. Prefer reading `account_facts` for title review automation.
***
## When it appears
| Condition | Result |
| --------------------------------------- | ------------------------------------------ |
| Organization is opted in to the preview | `account_facts` may be included |
| `job_status` is not `complete` | Field is omitted |
| Reconciliation or fact derivation fails | Field is omitted (response still succeeds) |
Borrower-related facts compare against the **originally submitted** obligor borrowers from the `POST /title` request (stored in the "Initial API Call Data" attachment), not the live `account_data.loan.borrower[]` array, which enrichment may overwrite with materialized title owners.
***
## Object shape
```typescript theme={null}
interface AccountFacts {
computed_at: string; // ISO 8601 — when facts were derived
source: "reconcile"; // Provenance of the judgements
borrower_on_title: AccountFact;
borrower_signature_only_needed_for_title: AccountFact;
has_problematic_brands: AccountFact;
are_there_active_liens: AccountFact;
}
interface AccountFact {
value: boolean;
summary: string;
references: AccountFactReference[];
}
interface AccountFactReference {
field_path: string; // JSON pointer, e.g. "/vehicle/title/owners"
value: unknown;
from?: {
kind: "submitted_borrower" | "reconciled_title";
ref_id?: string;
};
}
```
***
## The four facts
### `borrower_on_title`
**Question:** Do all submitted obligor borrowers appear on the title?
* **`true`** — Every submitted borrower fuzzy-matches at least one reconciled title owner.
* **`false`** — At least one submitted borrower does not match any owner, **or** there were no submitted borrowers / no reconciled owners to compare.
Name matching tolerates case, punctuation, `Last, First` order, middle initials, and common nickname prefixes. Non-obligor borrowers (`is_nonobligor: true`) are excluded from the submitted set.
When `false` because of a mismatch, `references` cite the **unmatched** borrower(s) plus the owner list. When `true`, references cite the matched borrower(s) plus owners.
### `borrower_signature_only_needed_for_title`
**Question:** Can the borrower sign alone (without other owners)?
* **`true`** when either:
* The title is an **OR** title (`vehicle.title.is_or === true`), or
* Every reconciled title owner is a submitted borrower (wholly borrower-owned).
* **`false`** when the title is AND/joint and not wholly borrower-owned, **or** when no reconciled owners are available to evaluate.
OR titles always yield `true` regardless of borrower ownership.
### `has_problematic_brands`
**Question:** Does the title carry a title-impairing brand?
* **`true`** — At least one problematic brand is present on `vehicle.title.brands` (or legacy `vehicle.title.brand`).
* **`false`** — No problematic brands found, or no brand data available.
**Problematic brands** include salvage-family, flood/fire, lemon/buyback, junk, and export-only brands such as `SALVAGE`, `REBUILT`, `FLOOD`, `JUNK`, `LEMON`, `EXPORT_ONLY`, and related variants.
**Excluded** (not title-blocking on their own): odometer brands (`ACTUAL_MILEAGE`, `EXEMPT_ODOMETER`, etc.) and administrative brands (`MEMORANDUM_COPY`, etc.).
### `are_there_active_liens`
**Question:** Are there unreleased liens on the title?
* **`true`** — At least one lien in `active_liens` lacks `lien_release_signed: true`, **or** `has_liens` is true with no lien detail.
* **`false`** — All liens are released, no liens exist, or no lien data is available.
When active liens exist, `references` point to each unreleased lienholder name.
***
## Interpreting `value: false`
For all four facts, **`false` is overloaded**. It can mean either:
1. A genuine **negative** answer (e.g. borrower is not on title), or
2. **Insufficient data** to decide (e.g. enrichment still running, no submitted borrowers, no reconciled owners).
There is no separate tri-state field today. Read the `summary` string to disambiguate — it explicitly states when inputs were missing (e.g. "No submitted borrower names were available…").
A future explicit `determinable` or tri-state field is tracked as a partner-facing contract change. Until then, parse `summary` or wait until `job_status` is `complete` and enrichment has populated owners/brands/liens.
***
## Example response
```json theme={null}
{
"entryId": "550e8400-e29b-41d4-a716-446655440000",
"job_status": "complete",
"account_data": { "...": "..." },
"account_facts": {
"computed_at": "2026-06-18T18:42:11.123Z",
"source": "reconcile",
"borrower_on_title": {
"value": false,
"summary": "Borrower(s) THOMAS AAA do not match any title owner (SUSAN RODRIGUEZ, KAREN ROSE ANDERSON).",
"references": [
{
"field_path": "/loan/borrower/0/name",
"value": "THOMAS AAA",
"from": { "kind": "submitted_borrower", "ref_id": "loan.borrower[0]" }
},
{
"field_path": "/vehicle/title/owners",
"value": ["SUSAN RODRIGUEZ", "KAREN ROSE ANDERSON"],
"from": { "kind": "reconciled_title" }
}
]
},
"borrower_signature_only_needed_for_title": {
"value": false,
"summary": "Title is an AND/joint title not wholly owned by the borrower; additional owner signatures are likely required.",
"references": [
{
"field_path": "/vehicle/title/is_or",
"value": false,
"from": { "kind": "reconciled_title" }
},
{
"field_path": "/vehicle/title/owners",
"value": ["SUSAN RODRIGUEZ", "KAREN ROSE ANDERSON"],
"from": { "kind": "reconciled_title" }
}
]
},
"has_problematic_brands": {
"value": false,
"summary": "No problematic title brands (e.g. salvage, flood, junk) were found.",
"references": [
{
"field_path": "/vehicle/title/brands",
"value": null,
"from": { "kind": "reconciled_title" }
}
]
},
"are_there_active_liens": {
"value": true,
"summary": "Title has 1 active (unreleased) lien(s): First National Bank.",
"references": [
{
"field_path": "/vehicle/title/active_liens/0/lienholder/name",
"value": "First National Bank",
"from": { "kind": "reconciled_title", "ref_id": "lien_date:01/20/2023" }
}
]
}
}
}
```
***
## Related endpoints
`GET /title/{id}` — primary surface where `account_facts` is returned for preview orgs
Background on `AccountData`, `Vehicle`, and reconciliation inputs