Abstract: A computer-implemented method for regulating a loan managed by a loan accounting system that includes steps of: detecting a new action affecting a logical history of a loan managed by the loan accounting system, with the new action representing a new event in a loan process of the loan; identifying a first series of events related to the logical history of the loan affected by the new action; automatically calculating states of the loan based on a plurality of actions each associated with an event of the first series of events, wherein at least two of the actions have a causal relationship with one another; and automatically recalculating and updating a physical history of the loan based on the calculated states of the loan with the physical history including a second series of events that is different than the first series of events.