Question about Automated Testing

I am a senior business analyst for a larger sized bank. We have a major opportunity within our testing space due to the rigors of building and executing scripts efficiently and effectively. Banking is a highly regulated space, so a lot of our regulatory and compliance processes take actual time to test.

My question is this: suppose I wanted to run automated scripts within a space that allows me to manipulate the present date within the testing environment, thus allowing me to “simulate” through time periods that normally would force me to stop because of regulatory requirements.

Example: in first mortgage, you cannot send the initial loan estimate and CD on the same day, and you cannot close within 7 days of giving intent to proceed.

I would like to test scenarios from the time a customer placed an app through the time it funds, rapidly, while leveraging automation from start to finish but also bypassing start restart periods due to regulatory requirements.

How can I achieve this?