Ack clock
1 hour
Owner acknowledges the hold and assigns a reviewer.
Fraud hold with delayed notice
A delayed-notice fraud hold that keeps receipts and clocks enforceable.
Scenario
Investigation integrity with visible clocks
Delayed notice is allowed, but the hold still requires receipts, clocks, and remedies.
Receipt
Receipt emitted even with delayed notice
Receipts exist immediately, even if user notice is delayed for investigation.
{
"schema_version": "1.0.0",
"receipt_id": "RCP-2026-1284",
"issued_at": "2026-06-04T12:09:55Z",
"owner": { "name": "Fraud Operations", "role": "System owner" },
"subject": { "id": "acct-55129", "type": "account" },
"action": { "class": "WRITE", "description": "Place fraud hold", "reversible": true },
"decision": { "decision_type": "fraud_hold", "reason_codes": ["VELOCITY", "DEVICE-MISMATCH"] },
"clocks": { "ack": { "hours": 1 }, "review": { "hours": 12 }, "remedy": { "hours": 48 } },
"notice": { "delayed": true, "delay_hours": 24 },
"appeal_path": { "url": "/appeals/fraud-hold", "channel": "secure inbox" }
}
Review clock
12 hours
Human review confirms, narrows, or removes the hold.
Remedy clock
48 hours
Release the hold or provide a safe fallback with notice.
- Delayed notice allowed only for active fraud investigation.
- Maximum delay window is 24 hours before notice is required.
- Exceptions logged in the Exceptions framework with steward review.
- Release the hold and restore access if fraud is not confirmed.
- Provide limited-access alternatives if verification is needed.
- Issue compensation for access loss tied to the decision log.
Bindings
Tie the hold to enforceable artifacts
Keep the flow auditable with bindings and evidence packs.
- Require receipts in release gates.
- Link evidence in STD-01 + STD-02 packs.
- Reference anti-weaponization constraints on delayed notice.
Glossary anchors
Glossary anchors used
This worked example ties back to glossary terms that bind clocks, artifacts, and ownership.