OCC_Modular.sol

OCC -> On-Chain Credit (Loan Management System)

Introduction

OCC stands for "On-Chain Credit".

A "Bullet" loan is an interest-only loan, with principal repaid in full at the end.

An "Amortization" loan is a principal and interest loan, with consistent payments until fully "Repaid".

This locker is responsible for handling accounting of loans.

This locker is responsible for handling payments and distribution of payments.

This locker is responsible for handling defaults and liquidations (if needed).

State Variables

Type	Name	Description
address	GBL	The ZivoeGlobals contract.
address	stablecoin	The stablecoin for this OCC contract.
address	underwriter	The entity that is allowed to underwrite (a.k.a. issue) loans.
address	OCT_YDL	Facilitates swaps and forwards distributedAsset() to YDL.
uint256	combineCounter	Incrementor for "combinations" mapping.
uint256	loanCounter	Incrementor for "loans" mapping.
uint256	BIPS	Private constant, 10000
mapping(uint256 => Combine)	combinations	Mapping of approved loan combinations.
mapping(uint256 => bool)	conversionToAmortization	Mapping of loans approved for conversion to amortization payment schedule.
mapping(uint256 => bool)	conversionToBullet	Mapping of loans approved for conversion to bullet payment schedule.
mapping(uint256 => uint256)	extensions	Mapping of loans approved for extension, key is the loan ID, output is paymentIntervals extension.
mapping(uint256 => Loan)	loans	Mapping of loans and their information, key is the ID of the loan, output is the Loan struct information.
mapping(uint256 => uint256)	refinancing	Mapping of loans approved for refinancing, key is the ID of the loan, output is APR it can refinance to.

Loan

This struct stores information for loans.

Type	Name	Description
address	borrower	The address that receives capital when the loan is funded.
uint256	principalOwed	The amount of principal still owed on the loan.
uint256	APR	The annualized percentage rate charged on the outstanding principal.
uint256	APRLateFee	The APR charged on the outstanding principal if payment is late.
uint256	paymentDueBy	The timestamp (in seconds) for when the next payment is due.
uint256	paymentsRemaining	The number of payments remaining until the loan is "Repaid".
uint256	term	The number of paymentIntervals that will occur (e.g. 12, 24).
uint256	paymentInterval	The interval of time between payments (in seconds).
uint256	offerExpiry	The block.timestamp at which the offer for this loan expires.
uint256	gracePeriod	The number of seconds a borrower has to makePayment() before default.
int8	paymentSchedule	The payment schedule of the loan (0 = "Bullet" or 1 = "Amortization").
LoanState	state	The state of the loan.

Combine

This struct stores information for loan combinations.

Type	Name	Description
uint256[]	loans	The loans approved for combination.
uint256	term	The term of the resulting combined loan.
uint256	paymentInterval	The paymentInterval of the resulting combined loan.
uint256	gracePeriod	The gracePeriod of the resulting combined loan.
uint256	expires	The expiration of this combination.
int8	paymentSchedule	The paymentSchedule of the resulting combined loan.
bool	valid	The validity of the combination (if it can be executed).

LoanState

This enumerator tracks loan states.

State	Description
Null	Default state, loan isn't offered yet.
Offered	Loan offer has been created, not accepted (it could have passed expiry date).
Active	Loan has been accepted, is currently receiving payments.
Repaid	Loan was accepted, and has been fully repaid.
Defaulted	Loan has defaulted, payments were missed, gracePeriod passed, and markDefault() called.
Cancelled	Loan offer was created, then cancelled prior to acceptance.
Resolved	Loan was accepted, then there was a default, then the full amount of principal was repaid.
Combined	Loan was accepted, then combined with other loans while active.

LoanSchedule

This enumerator tracks the payment schedule type for a loan.

State	Description
Bullet	An interest-only loan, with principal repaid in full at the end.
Amortization	A principal and interest loan, with consistent payments until fully "Repaid".

Sections

Read Functions

• canPush() - Permission for owner to call pushToLocker(). See ZivoeLocker.sol

• canPull() - Permission for owner to call pullFromLocker(). See ZivoeLocker.sol

• canPullPartial() - Permission for owner to call pullFromLockerPartial(). See ZivoeLocker.sol

• loanInfo() - Returns information for a given loan. Refer to Loan

• amountOwed() - Returns information for amount owed on next payment of a particular loan

Write Functions - Core

• acceptOffer() - Funds and initiates a loan.

• callLoan() - Pays off the loan in full, plus additional interest for paymentInterval.

• cancelOffer() - Cancels a loan offer.

• createOffer() - Create a loan offer.

• makePayment() - Make a payment on a loan. Anyone is allowed to make a payment on someone's loan.

• markDefault() - Mark a loan insolvent if a payment hasn't been made beyond the corresponding grace period.

• markRepaid() - Underwriter specifies a loan has been repaid fully via interest deposits in terms of off-chain debt.

• processPayment() - Process a payment for a loan, on behalf of another borrower.

• resolveDefault() - Make a full (or partial) payment to resolve an insolvent loan.

• supplyInterest() - Supply interest to a repaid loan (for arbitrary interest repayment).

• updateOCTYDL() - Updates the OCT_YDL endpoint.

Write Functions - Loan Management

• applyCombine() - Combines multiple loans into a single loan.

• applyConversionToAmortization() - Converts a loan to amortization payment schedule.

• applyConversionBullet() - Converts a loan to bullet payment schedule.

• applyExtension() - Applies an extension to a loan.

• applyRefinance() - Refinances a loan.

• approveCombine() - Approves a borrower for combining loans.

• approveConversionToAmortization() - Approves a loan for conversion to amortization payment schedule.

• approveConversionToBullet() - Approves a loan for conversion to bullet payment schedule.

• approveExtension() - Approves an extension for a loan.

• approveRefinance() - Approves a loan for refinancing.

• unapproveCombine() - Unapproves a borrower for combining loans.

• unapproveConversionToAmortization() - Unapproves a loan for conversion to amortization payment schedule.

• unapproveConversionBullet() - Unapproves a loan for conversion to bullet payment schedule.

• unapproveExtension() - Unapproves an extension for a loan.

• unapproveRefinance() - Unapproves a loan for refinancing.

Events

• CombineApplied()

• CombineApproved()

• CombineLoanCreated()

• CombineUnapproved()

• ConversionToAmortizationApplied()

• ConversionToAmortizationApproved()

• ConversionToAmortizationUnapproved()

• ConversionToBulletApplied()

• #converesiontobulletapproved

• ConversionToBulletUnapproved()

• DefaultMarked()

• DefaultResolved()

• ExtensionApplied()

• ExtensionApproved()

• ExtensionUnapproved()

• InterestSupplied()

• LoanCalled()

• OfferAccepted()

• OfferCancelled()

• OfferCreated()

• PaymentMade()

• RefinanceApplied()

• RefinanceApproved()

• RefinanceUnapproved()

• RepaidMarked()

• UpdatedOCTYDL()

Read Functions

canPush()

Permission for owner to call pushToLocker(). See ZivoeLocker.sol

 function canPush() public override pure returns (bool) { return true; }

canPull()

Permission for owner to call pullFromLocker(). See ZivoeLocker.sol

function canPull() public override pure returns (bool) { return true; }

canPullPartial()

Permission for owner to call pullFromLockerPartial(). See ZivoeLocker.sol

function canPullPartial() public override pure returns (bool) { return true; }

loanInfo()

Returns information for a given loan. Refer to Loan

function loanInfo(uint256 id) public view returns (
    address borrower, 
    int8 paymentSchedule,
    uint256[10] memory details
);

Type	Name	Description
uint256	id	The ID of the loan.

Returns

Type	Name	Description
address	borrower	The borrower of the loan.
int8	paymentSchedule	The structure of the payment schedule.
uint256[10]	details	Loan details. Refer to code block below ...

/// @return info The remaining information for the loan:
///                  info[0] = principalOwed
///                  info[1] = APR
///                  info[2] = APRLateFee
///                  info[3] = paymentDueBy
///                  info[4] = paymentsRemaining
///                  info[5] = term
///                  info[6] = paymentInterval
///                  info[7] = offerExpiry
///                  info[8] = gracePeriod
///                  info[9] = loanState

amountOwed()

Returns information for amount owed on next payment of a particular loan

function amountOwed(uint256 id) public view returns (
    uint256 principal, 
    uint256 interest,
    uint256 lateFee, 
    uint256 total
);

Type	Name	Description
uint256	id	The ID of the loan.

Returns

Type	Name	Description
uint256	principal	The amount of principal owed.
uint256	interest	The amount of interest owed.
uint256	lateFee	The amount of late fees owed.
uint256	total	Full amount owed, combining principal plus interest.

Write Functions - Core

acceptOffer()

Funds and initiates a loan.

function acceptOffer(uint256 id) external nonReentrant;

Type	Name	Description
uint256	id	The ID of the loan to pay off early.

Emits the OfferAccepted() event

callLoan()

Pays off the loan in full, plus additional interest for paymentInterval.

function callLoan(uint256 id) external nonReentrant;

Type	Name	Description
uint256	id	The ID of the loan to pay off early.

Emits the LoanCalled() event

cancelOffer()

Cancels a loan offer.

function cancelOffer(uint256 id) isUnderwriter external;

Type	Name	Description
uint256	id	The ID of the loan.

Emits the OfferCancelled() event

createOffer()

Create a loan offer.

function createOffer(
    address borrower,
    uint256 borrowAmount,
    uint256 APR,
    uint256 APRLateFee,
    uint256 term,
    uint256 paymentInterval,
    uint256 gracePeriod,
    int8 paymentSchedule
) isUnderwriter external;

Type	Name	Description
address	borrower	The address to borrow (that receives the loan)
uint256	borrowAmount	The amount to borrow (in other words, initial principal).
uint256	APR	The annualized percentage rate charged on the outstanding principal.
uint256	APRLateFee	The APR charged for late payments.
uint256	term	The term or "duration" of the loan (number of paymentIntervals that will occur).
uint256	paymentInterval	The interval of time between payments (in seconds).
uint256	gracePeriod	The number of seconds a borrower has to makePayment() before loan could default.
int8	paymentSchedule	The payment schedule type ("Bullet" or "Amortization").

Emits the OfferCreated() event

makePayment()

Make a payment on a loan. Anyone is allowed to make a payment on someone's loan.

function makePayment(uint256 id) external nonReentrant;

Type	Name	Description
uint256	id	The ID of the loan.

Emits the PaymentMade() event

markDefault()

Mark a loan insolvent if a payment hasn't been made beyond the corresponding grace period.

function markDefault(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID of the loan.

Emits the DefaultMarked() event

markRepaid()

Underwriter specifies a loan has been repaid fully via interest deposits in terms of off-chain debt.

function markRepaid(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID of the loan.

Emits the RepaidMarked() event

processPayment()

Process a payment for a loan, on behalf of another borrower.

function processPayment(uint256 id) external nonReentrant;

Type	Name	Description
uint256	id	The ID of the loan.

Emits the PaymentMade() event

resolveDefault()

Make a full (or partial) payment to resolve an insolvent loan.

function resolveDefault(uint256 id, uint256 amount) external;

Type	Name	Description
uint256	id	The ID of the loan.
uint256	amount	The amount of principal to pay down.

Emits the DefaultResolved() event

supplyInterest()

Supply interest to a repaid loan (for arbitrary interest repayment).

function supplyInterest(uint256 id, uint256 amount) external nonReentrant;

Type	Name	Description
uint256	id	The ID of the loan.
uint256	amount	The amount of interest to supply.

Emits the InterestSupplied() event

updateOCTYDL()

Updates the OCT_YDL endpoint.

function updateOCTYDL(address _OCT_YDL) external;

Type	Name	Description
address	_OCT_YDL	The new address for OCT_YDL.

Emits the UpdatedOCTYDL() event

Write Functions - Loan Management

applyCombine()

Combines multiple loans into a single loan.

function applyCombine(uint256 id) external;

Type	Name	Description
uint256	id	The ID to reference from "combinations" mapping.

Emits the CombineApplied() and CombineLoanCreated() event(s)

applyConversionToAmortization()

Converts a loan to amortization payment schedule.

function applyConversionToAmortization(uint256 id) external;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ConversionToAmortizationApplied() event

applyConversionBullet()

Converts a loan to bullet payment schedule.

function applyConversionToBullet(uint256 id) external;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ConversionToBulletApplied() event

applyExtension()

Applies an extension to a loan.

function applyExtension(uint256 id) external;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ExtensionApplied() event

applyRefinance()

Refinances a loan.

function applyRefinance(uint256 id) external;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the RefinanceApplied()

approveCombine()

Approves a borrower for combining loans.

function approveCombine(
    uint256[] calldata loanIDs, 
    uint256 term,
    uint256 paymentInterval, 
    uint256 gracePeriod,
    int8 paymentSchedule
) external isUnderwriter;

Type	Name	Description
uint256[]	loanIDs	The IDs of the loans that can be combined.
uint256	term	The term that loans can be combined into.
uint256	paymentInterval	The paymentInterval that loans can be combined into.
uint256	gracePeriod	The number of seconds a borrower has to makePayment() before loan could default.
int8	paymentSchedule	The payment schedule of the loan (0 = "Bullet" or 1 = "Amortization").

Emits the CombineApproved() event

approveConversionToAmortization()

Approves a loan for conversion to amortization payment schedule.

function approveConversionToAmortization(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ConversionToAmortizationApproved() event

approveConversionToBullet()

Approves a loan for conversion to bullet payment schedule.

function approveConversionToBullet(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ConversionToBulletApproved() event

approveExtension()

Approves an extension for a loan.

function approveExtension(uint256 id, uint256 intervals) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.
uint256	intervals	The amount of intervals to approve for extension.

Emits the ExtensionApproved() event

approveRefinance()

Approves a loan for refinancing.

function approveRefinance(uint256 id, uint256 apr) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.
uint256	APR	The APR the loan can refinance to.

Emits the RefinanceApproved() event

unapproveCombine()

Unapproves a borrower for combining loans.

function unapproveCombine(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID of the combine to unapprove.

Emits the CombineUnapproved() event

unapproveConversionToAmortization()

Unapproves a loan for conversion to amortization payment schedule.

function unapproveConversionToAmortization(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ConversionToAmortizationUnapproved() event

unapproveConversionBullet()

Unapproves a loan for conversion to bullet payment schedule.

function unapproveConversionToBullet(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ConversionToBulletUnapproved() event

unapproveExtension()

Unapproves an extension for a loan.

function unapproveExtension(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the ExtensionUnapproved() event

unapproveRefinance()

Unapproves a loan for refinancing.

function unapproveRefinance(uint256 id) external isUnderwriter;

Type	Name	Description
uint256	id	The ID for the loan.

Emits the RefinanceUnapproved() event

Events

CombineApplied()

Emitted during applyCombine()

event CombineApplied(
    address indexed borrower, 
    uint256[] loanIDs, 
    uint256 term,
    uint256 paymentInterval,
    uint256 gracePeriod,
    int8 indexed paymentSchedule
);

Type	Indexed	Name	Description
address	True	borrower	The borrower combining their loans.
uint256[]	False	loanIDs	The IDs of the loans that were combined.
uint256	False	term	The resulting term of the combined loan.
uint256	False	paymentInterval	The resulting paymentInterval of the combined loan.
uint256	False	gracePeriod	The resulting gracePeriod of the combined loan.
int8	True	paymentSchedule	The payment schedule of the combined loan (0 = "Bullet" or 1 = "Amortization").

CombineApproved()

Emitted during approveCombine()

event CombineApproved(
    uint256 indexed id, 
    uint256[] loanIDs,
    uint256 term,
    uint256 paymentInterval, 
    uint256 gracePeriod,
    uint256 expires,
    int8 indexed paymentSchedule
);

Type	Indexed	Name	Description
uint256	True	id	The ID of the combination approval in "combinations" mapping.
uint256[]	False	loanIDs	The IDs of the loans that can be combined.
uint256	False	term	The resulting term of the combined loan that is permitted.
uint256	False	paymentInterval	The resulting paymentInterval of the combined loan.
uint256	False	gracePeriod	The resulting gracePeriod of the combined loan that is permitted.
uint256	False	expires	The expiration of this combination.
int8	True	paymentSchedule	The payment schedule of the combined loan (0 = "Bullet" or 1 = "Amortization").

CombineLoanCreated()

Emitted during applyCombine()

event CombineLoanCreated(
    address indexed borrower,
    uint256 indexed id,
    uint256 borrowAmount,
    uint256 APR,
    uint256 APRLateFee,
    uint256 paymentDueBy,
    uint256 term,
    uint256 paymentInterval,
    uint256 gracePeriod,
    int8 indexed paymentSchedule
);

Type	Indexed	Name	Description
address	True	borrower	The address borrowing (that will receive the loan).
uint256	True	id	Identifier for the loan offer created.
uint256	False	borrowAmount	The amount to borrow (in other words, initial principal).
uint256	False	APR	The annualized percentage rate charged on the outstanding principal.
uint256	False	APRLateFee	The APR charged for late payments.
uint256	False	paymentDueBy	The timestamp (in seconds) for when the next payment is due.
uint256	False	term	The term or "duration" of the loan (number of paymentIntervals that will occur).
uint256	False	paymentInterval	The interval of time between payments (in seconds).
uint256	False	gracePeriod	The number of seconds a borrower has to makePayment() before loan could default.
int8	True	paymentSchedule	The payment schedule of the combined loan (0 = "Bullet" or 1 = "Amortization").

CombineUnapproved()

Emitted during unapproveCombine()

event CombineUnapproved(uint256 id);

Type	Indexed	Name	Description
uint256	True	id	The ID of the combine to unapprove.

ConversionToAmortizationApplied()

Emitted during applyConversionToAmortization()

event ConversionToAmortizationApplied(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID converted to amortization payment schedule.

ConversionToAmortizationApproved()

Emitted during approveConversionToAmortization()

event ConversionToAmortizationApproved(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID approved for conversion.

ConversionToAmortizationUnapproved()

Emitted during unapproveConversionToAmortization()

event ConversionToAmortizationUnapproved(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID unapproved for conversion.

ConversionToBulletApplied()

Emitted during applyConversionBullet()

event ConversionToBulletApplied(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID converted to bullet payment schedule.

ConversionToBulletApproved()

Emitted during approveConversionToBullet()

event ConversionToBulletApproved(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID approved for conversion.

ConversionToBulletUnapproved()

Emitted during unapproveConversionBullet()

event ConversionToBulletUnapproved(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID unapproved for conversion.

DefaultMarked()

Emitted during markDefault()

event DefaultMarked(uint256 indexed id, uint256 principalDefaulted);

Type	Indexed	Name	Description
uint256	True	id	Identifier for the loan which is now "defaulted".
uint256	False	principalDefaulted	The amount defaulted on.

DefaultResolved()

Emitted during resolveDefault()

event DefaultResolved(
    uint256 indexed id, 
    uint256 amount, 
    address indexed payee, 
    bool resolved
);

Type	Indexed	Name	Description
uint256	True	id	The identifier for the loan in default that is resolved (or partially).
uint256	False	amount	The amount of principal paid back.
address	True	payee	The address responsible for resolving the default.
bool	False	resolved	Denotes if the loan is fully resolved (false if partial).

ExtensionApplied()

Emitted during applyExtension()

event ExtensionApplied(uint256 indexed id, uint256 intervals);

Type	Indexed	Name	Description
uint256	True	id	The identifier of the loan extending its payment schedule.
uint256	False	interval	The number of intervals the loan is extended for.

ExtensionApproved()

Emitted during approveExtension()

event ExtensionApproved(uint256 indexed id, uint256 intervals);

Type	Indexed	Name	Description
uint256	True	id	The identifier of the loan receiving approval for extension.
uint256	False	intervals	The number of intervals the approved loan may be extended.

ExtensionUnapproved()

Emitted during unapproveExtension()

event ExtensionUnapproved(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The identifier of the loan losing approval for extension.

InterestSupplied()

Emitted during supplyInterest()

event InterestSupplied(
    uint256 indexed id, 
    uint256 amount, 
    address indexed payee
);

Type	Indexed	Name	Description
uint256	True	id	The identifier for the loan that is supplied additional interest.
uint256	False	amount	The amount of interest supplied.
address	True	payee	The address responsible for supplying additional interest.

LoanCalled()

Emitted during callLoan()

event LoanCalled(
    uint256 indexed id, 
    uint256 amount, 
    uint256 principal, 
    uint256 interest, 
    uint256 lateFee
);

Type	Indexed	Name	Description
uint256	True	id	Identifier for the loan which was called.
uint256	False	amount	The total amount of the payment.
uint256	False	principal	The principal portion of "amount" paid.
uint256	False	interest	The interest portion of "amount" paid.
uint256	False	lateFee	The lateFee portion of "amount" paid.

OfferAccepted()

Emitted during acceptOffer()

event OfferAccepted(
    uint256 indexed id, 
    uint256 principal, 
    address indexed borrower, 
    uint256 paymentDueBy
);

Type	Indexed	Name	Description
uint256	True	id	Identifier for the offer accepted.
uint256	False	principal	The amount of stablecoin lent out.
address	True	borrower	The address borrowing the amount (principal).
uint256	False	paymentDueBy	Timestamp (unix seconds) by which next payment is due.

OfferCancelled()

Emitted during cancelOffer()

event OfferCancelled(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	Identifier for the loan offer cancelled.

OfferCreated()

Emitted during createOffer()

event OfferCreated(
    address indexed borrower,
    uint256 indexed id,
    uint256 borrowAmount,
    uint256 APR,
    uint256 APRLateFee,
    uint256 term,
    uint256 paymentInterval,
    uint256 offerExpiry,
    uint256 gracePeriod,
    int8 indexed paymentSchedule
);

Type	Indexed	Name	Description
address	True	borrower	The address borrowing (that will receive the loan).
uint256	True	id	Identifier for the loan offer created.
uint256	False	borrowAmount	The amount to borrow (in other words, initial principal).
uint256	False	APR	The annualized percentage rate charged on the outstanding principal.
uint256	False	APRLateFee	The APR charged for late payments.
uint256	False	term	The term or "duration" of the loan (number of paymentIntervals that will occur).
uint256	False	paymentInterval	The interval of time between payments (in seconds).
uint256	False	offerExpiry	The block.timestamp at which the offer for this loan expires (hardcoded 2 weeks).
uint256	False	gracePeriod	The number of seconds a borrower has to makePayment() before loan could default.
int8	True	paymentSchedule	The payment schedule type ("Bullet" or "Amortization").

PaymentMade()

Emitted during makePayment() and processPayment()

event PaymentMade(
    uint256 indexed id, 
    address indexed payee, 
    uint256 amount, 
    uint256 principal, 
    uint256 interest, 
    uint256 lateFee, 
    uint256 nextPaymentDue
);

Type	Indexed	Name	Description
uint256	True	id	Identifier for the loan on which payment is made.
address	True	payee	The address which made payment on the loan.
uint256	False	amount	The total amount of the payment.
uint256	False	principal	The principal portion of "amount" paid.
uint256	False	interest	The interest portion of "amount" paid.
uint256	False	lateFee	The lateFee portion of "amount" paid.
uint256	False	nextPaymentDue	The timestamp by which next payment is due.

RefinanceApplied()

Emitted during applyRefinance()

event RefinanceApplied(uint256 indexed id, uint256 APRNew, uint256 APRPrior);

Type	Indexed	Name	Description
uint256	True	id	The loan ID refinancing its APR.
uint256	False	APRNew	The new APR of the loan.
uint256	False	APRPrior	The prior APR of the loan.

RefinanceApproved()

Emitted during approveRefinance()

event RefinanceApproved(uint256 indexed id, uint256 APR);

Type	Indexed	Name	Description
uint256	True	id	The loan ID approved for refinance.
uint256	False	APR	The APR the loan is approved to refinance to.

RefinanceUnapproved()

Emitted during unapproveRefinance()

event RefinanceUnapproved(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	The loan ID unapproved for refinance.

RepaidMarked()

Emitted during markRepaid()

event RepaidMarked(uint256 indexed id);

Type	Indexed	Name	Description
uint256	True	id	Identifier for the loan which is now "repaid".

UpdatedOCTYDL()

Emitted during updateOCTYDL()

event UpdatedOCTYDL(address indexed newOCT, address indexed oldOCT);

Type	Indexed	Name	Description
address	True	newOCT	The new OCT_YDL contract.
address	True	oldOCT	The old OCT_YDL contract.