CARD Act Ability to Pay

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

Gated two-step chain for CARD Act ability-to-pay compliance. Step 1 runs the §1026.51 ATP check, applying the DTI threshold (45%), the under-21 independent-income restriction, and the penalty fee safe harbor ($32 first / $43 subsequent; CFPB $8 rule vacated January 17, 2025). A §21.4 gate checks atp_passes: if the applicant passes, the chain exits immediately with an approved decision. For applicants who fail ATP, Step 2 builds the required adverse action notice per Reg B §1002.9, providing SHAP-ranked factor codes for the denial.

OpenChainGraph · 2 Steps compliance mandate · §21.4 Gate Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII

Chain Stages · 2 Steps · 1 Decision Gate (§21.4)

1 ROOT & GATE node §21.4 gate

Check CARD Act Ability to Pay art-233-check-card-act-ability-to-pay

Evaluates the applicant against CARD Act §1026.51 ATP requirements. Computes monthly minimum payment from the requested credit limit and minimum payment percentage, checks DTI against the 45% threshold, applies the under-21 independent-income restriction (§1026.51(b)), and reports the $32/$43 penalty fee safe harbor (§1026.52(b)). Gate exits immediately when atp_passes == true (applicant approved).

△ Gate: if /atp_passes == true → END | else → Step 2 (adverse action notice)

MCP Call · check_card_act_ability_to_pay

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "check_card_act_ability_to_pay",
    "arguments": {
      "applicant_age": 25,
      "annual_income": 45000,
      "total_assets": 12000,
      "monthly_housing_payment": 1200,
      "monthly_debt_obligations": 500,
      "requested_credit_limit": 3000,
      "has_cosigner": false,
      "minimum_payment_pct": 2.0,
      "violation_tier": "first"
    }
  },
  "id": 1
}

↓

2 TERMINAL node

Build Adverse Action Notice art-228-build-adverse-action-notice

Assembles the adverse action notice skeleton from SHAP-ranked principal-factor codes per Reg B §1002.9. Resolves FICO or VantageScore reason codes to full text, orders sections correctly, and includes FCRA §615(a) rights disclosure when a credit score was used. Only reached when ATP fails.

MCP Call · build_adverse_action_notice

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "build_adverse_action_notice",
    "arguments": {
      "action_taken": "denied",
      "creditor_name": "Acme Bank",
      "notice_date": "2026-07-04",
      "factor_codes": [
        {"rank": 1, "code": "08", "source": "fico", "shap_value": -0.38},
        {"rank": 2, "code": "14", "source": "fico", "shap_value": -0.27}
      ],
      "credit_score_used": true,
      "credit_score_value": 601,
      "credit_score_model": "FICO Score 8",
      "credit_score_range_min": 300,
      "credit_score_range_max": 850
    }
  },
  "id": 2
}

Question: An applicant under 21 applied with no income and no cosigner. What must change before we open the account? Run the AINumbers MCP tool `run_chain` with {"chain":"card-act-ability-to-pay"} and read `art-233-check-card-act-ability-to-pay.requires_cosigner`. Re-run with `inputs` for `art-233-check-card-act-ability-to-pay`, reusing the values that result echoed, with `has_cosigner` set to true. Compare the same field. Verify: call `verify_execution_hash` (https://mcp.ainumbers.co/mcp) with `claimed_hash` set to `composite_execution_hash` and the full `composite_artifact`. Ledger, for a human re-check: https://ledger.ainumbers.co/ PII rule: send synthetic or anonymised inputs only. The MCP server runs these kernels and logs no payloads. Chain page: https://ainumbers.co/chaingraph/chains/card-act-ability-to-pay.html

CARD Act Ability to Pay

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