Statute-pinned tool

Reserve Study Cadence Checker

Pick a state and the date of your last reserve study. We compute the statutory next-due date, days remaining or overdue, and the controlling cadence citation. States without a statutory cadence are flagged honestly — we do not fabricate a value from industry convention.

How this works. Cadence is read at request time from LegalThreshold rows in status='ACTIVE', looked up by deterministic code patterns ({state}_RESERVE_STUDY_CADENCE_*, {state}_RESERVE_STUDY_INTERVAL_YEARS, {state}_RESERVE_REEVALUATION_YEARS). The next-due date is computed as last-study + statutory years. States without a statutory cadence are not fabricated — industry guidance (CAI / APRA: every five years) is documented in the gap notice rather than rendered as if it were law. Educational reference only — not legal advice. See the coverage dashboard for jurisdiction depth and the resale certificate deadline calculator for RC deadline math.