# Title curative software that ages every requirement instead of burying it in Schedule B

> Title curative is the work of clearing defects found in a title search so a policy can issue and the closing can happen: unreleased mortgages, judgment liens against a similar name, gaps in the chain, scrivener errors and missing heirs. It runs against a hard date, because 12 CFR 1026.19 requires the closing disclosure to reach the consumer at least 3 business days before consummation. Neurobird tracks each requirement with an owner and an aging clock.

- URL: https://neurobird.com/titlecurative/
- Product: Neurobird Title Curative Coverage Platform
- Niche: title curative
- Buyer: title agencies and curative teams
- Status: in development, open for early access
- Updated: 2026-08-21

## What Neurobird Title Curative does

- Turn Schedule B requirements into tracked items with an owner and a target date
- Record every request sent to a lender, court, county or heir, and when it was chased
- Attach the curative instrument, the release, corrective deed or affidavit, to the requirement it clears
- Show the file by aging, so the requirement that will break the closing is visible early

## How it works

1. **Break the commitment into items** Each Schedule B requirement becomes its own record with a type, an owner and a target date, instead of a paragraph inside a PDF.
2. **Track the chase, not just the item** Every request to a lender, court, county or heir is logged with the date it went out and the date it was chased, so silence becomes measurable.
3. **Clear with the instrument attached** The release, corrective deed, affidavit or court order is attached to the requirement it clears, so the file explains itself to underwriting.

## From the source material

> Marketable title is a title free of adverse claims, liens and defects that are apparent from the record .

Source: okbar.org, https://www.okbar.org/barjournal/june-2024/oklahoma-title-examination-standards-providing-guidance-since-1946/

## Industry context

- **3 business days** Minimum time a consumer must hold the closing disclosure before consummation under 12 CFR 1026.19, which is the hard edge every open requirement runs into. (source: 12 CFR 1026.19, Consumer Financial Protection Bureau, https://www.consumerfinance.gov/rules-policy/regulations/1026/19/)
- **3,143** Counties and equivalents in the United States, each recording instruments its own way, which is why a corrective deed is routine in one and slow in another. (source: US Census Bureau, ANSI geographic codes, https://www.census.gov/library/reference/code-lists/ansi.html)
- **541191** NAICS code for title abstract and settlement offices, the establishments that carry curative work, counted each year in County Business Patterns. (source: US Census County Business Patterns, https://www.census.gov/programs-surveys/cbp.html)
- **1892** Year the Uniform Law Commission was established, the body behind the uniform acts states adopt to resolve heirs property and partition problems that reach the record. (source: Uniform Law Commission, Partition of Heirs Property Act, https://www.uniformlaws.org/committees/community-home?CommunityKey=50724584-e808-4255-bc5d-8ea4e588371d)
- **1026.19** The disclosure section that fixes the closing date, which is why curative aging matters more than curative volume. (source: 12 CFR 1026.19, eCFR, https://www.ecfr.gov/current/title-12/section-1026.19)

## Pricing

- Solo curative: $85 per user, per month
- Title agency: $190 per user, per month
- Multi state: $360 per user, per month

## Questions

### What is title curative work?

Title curative work is the process of clearing defects found during a title search so a policy can issue and a closing can happen. Typical items are unreleased mortgages, judgment liens against a similarly named person, gaps in the chain, scrivener errors in a legal description and missing heirs in an estate that was never opened.

### What is a cloud on title?

A cloud on title is any claim, encumbrance or irregularity in the record that casts doubt on the owner's title. Some clouds clear with a document: a release, a corrective deed or an affidavit. Others need a court, which is what a quiet title action is for.

### How does curative work affect the closing timeline?

Directly. Under 12 CFR 1026.19 the consumer has to receive the closing disclosure at least 3 business days before consummation, so a requirement that clears the day before closing has already caused a problem. Aging is the number that matters, not the count of open items.

### Who actually does the curative?

Usually a curative specialist inside a title agency, working against requirements set by the examiner and approved by underwriting counsel. On heavy files the work is a long sequence of requests to third parties who have no deadline of their own.

### Does this replace our title production system?

No. It reads the requirements out of the commitment and manages the chase: owners, requests, chasers, aging and the instrument that clears each item. The commitment and the policy stay where they are.

## Sources

- [12 CFR 1026.19, closing disclosure timing](https://www.consumerfinance.gov/rules-policy/regulations/1026/19/)
- [Texas Property Code Chapter 13, effect of recording](https://statutes.capitol.texas.gov/Docs/PR/htm/PR.13.htm)
- [Texas Property Code Chapter 5, conveyances](https://statutes.capitol.texas.gov/Docs/PR/htm/PR.5.htm)
- [Cornell LII, quiet title action](https://www.law.cornell.edu/wex/quiet_title_action)

## Contact

- office@neurobird.com
- https://neurobird.com/