OpenChainGraph Suite · ART-404 · Auto & Retail Lending · Reg Z 12 CFR 1026.18

Retail Installment Contract TILA Disclosure Checker

Ties Amount Financed, Finance Charge, and Total of Payments on a retail installment contract (e.g. auto financing) against an amortization schedule REUSED from Amortization Schedule Builder (art-332). This tool does not amortize -- paste that tool's exported totals and schedule_digest below.

12 CFR 1026.18 Composes art-332 Collections Compliance Family

🔒 All checking runs locally in your browser. No data is transmitted. Do not enter real consumer data — use synthetic or anonymised inputs only.

⚠ COMPOSITION NOTE: this checks the tie-out ARITHMETIC against the schedule totals you supply -- it does not independently recompute or verify the amortization schedule. The dealer-participation record below is ASSERTED and receipt-bound; it is a fair-lending adjacency note, not a discrimination determination.

Contract disclosures

Cash price

Downpayment

Other amounts financed (taxes/fees financed)

Prepaid finance charge

Amortization schedule (from art-332 export -- output_payload.totals + schedule_digest)

Schedule JSON: { "totals": {...}, "schedule_digest": "sha256:...", "source_tool_id": "art-332-build-amortization-schedule" }

Disclosed figures (as printed on the contract)

Disclosed amount financed

Disclosed finance charge

Disclosed total of payments

Tolerance, cents (1026.18(d)(1)(i) default 500 = $5.00)

Dealer participation (asserted, receipt-bound)

Dealer markup, percentage points over buy rate

Dealer reserve/participation disclosed to consumer

Tie-outs

Dealer participation record

Execution Hash (SHA-256)