Computes absolute and relative movement per line item across your instance pair (prior vs current), ranks by contribution (largest absolute movement first), and flags which movements exceed your policy-supplied materiality threshold with no explanation on file. Emits a hash-anchored OpenChainGraph v0.4 artifact. Final step of the Regulatory Report Submission Cycle, where filing release is a §27 dual_control(2) gate satisfied by a preparer and a distinct signing-officer approver.
| Rank | Line item | Abs change | Pct change | Material | Explained |
|---|
Pairs with ART-484 RegRpt Edit-Check Runner: that tool runs rule pass/fail edit checks against a published rule set; this tool computes period-over-period materiality-flagged variance. Both feed RGEC-K-2's downstream submission gate (not built here).
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
Run the AINumbers MCP tool `explain_regrpt_variance`. Task: Compute period-over-period variance across a regulatory report instance pair -- absolute and relative movement per line item against a policy-supplied materiality threshold (default plus per-line overrides), ranked by contribution (largest absolute movement first) -- and flags which movements require a written explanation, i.e.
Call it with arguments: {"policy_parameters":{"instance_pair":{"prior":{"as_of":"2026-03-31","cells":[{"line_item":"total_loans","value":10000},{"line_item":"total_deposits","value":9000}]},"current":{"as_of":"2026-06-30","cells":[{"line_item":"total_loans","value":11500},{"line_item":"total_deposits","value":9050},{"line_item":"other_real_estate_owned","value":200}]}},"materiality_policy":{"version":"FFIEC-MATERIALITY-2026-Q2","default_threshold_abs":100,"default_threshold_pct":0.05,"per_line_overrides":{"other_real_estate_owned":{"abs":50,"pct":0}}},"explanations":[{"line_item":"total_loans","text":"Growth from a Q2 syndicated-loan participation purchase."}]}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-485-regrpt-variance-explainer.html#p=v1.H4sIAAAAAAAA_wFwAo_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