Closed-set lookup of whether a charge type must be included in the Military Lending Act MAPR under 32 CFR 232.4(c) and 232.4(d). Returns included_in_mapr as true, false or conditional, together with the exact paragraph cited and a plain basis sentence. The domain is 9 charge types × is_credit_card_account × short_term_exception_claimed, which is 36 states, every one of them enumerated.
conditional because the regulation's own worked examples at 232.4(d)(4)(iii) run the same fee twice and reach opposite answers on facts a charge type cannot express. The single cell the closed set cannot resolve, an application fee with the 232.4(c)(1)(iii)(B) short-term carve-out claimed, sets manual_review_required and names the three missing predicates rather than guessing. conditional_limit_usd reports the $100 per annum figure of 232.4(c)(2)(ii)(B) on the participation-fee credit-card cells: it NAMES that figure and never compares it to an amount. Out of scope: this does not determine covered-borrower status, does not compute a MAPR (that is ART-616), does not compare anything to the 36 percent limit of 232.4(b), and does not decide whether a fee is bona fide or reasonable under 232.4(d)(1) and 232.4(d)(3). Closed set pinned against the eCFR versioner API retrieval of 2026-08-14.