Jakob reviewed the twenty years before the tribunal. That torn by wild beasts I have not brought to thee; for had I sinned, from my hand thou wouldst have required it (Genesis 31:39). Targum Pseudo-Jonathan holds onto the exact standard he had kept: if a sheep was missing, Jakob did not produce the corpse and demand an exemption. He absorbed the loss.
What was stolen in the day by men, that have I made good; and what was stolen in the night by wild beasts was made good also.
By the letter of Torah law — the Torah that had not yet been given, but which he intuited — a shepherd is liable for daytime theft but not for nighttime predation. Jakob paid for both. He did not argue. He did not invoke categories. He simply made good on every missing animal, regardless of whether the blame was his.
That is why Laban could find nothing to accuse him of. There was nothing. Two decades of over-payment by a shepherd who refused to take advantage of the rules.
The Maggid teaches: the righteous do not hide behind the loopholes in the law. They pay the nighttime losses too. And when a jealous father-in-law comes looking for grounds, he finds only the embarrassing absence of any.