OpenChainGraph Suite · CONTRACT A3 · arch #5

Force-Placed Insurance Check

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.

Check a lender-placed insurance charge in two stages: first verify the 45-day advance first notice with its prescribed content set, the reminder notice at least 30 days after the first notice and at least 15 days before the charge, and the no-evidence-of-continuous-coverage precondition, with the 15-day cancellation and refund clock and the charged premium reported against borrower alternative quotes as a values-only comparison (ART-734), then a session receipt aggregating the run's execution hashes (CRY-05). All notice dates, coverage periods, and premium figures are caller-supplied inputs; the verdict is an arithmetic and sequence finding, never a legal determination. Not legal advice.

Note: all notice dates, coverage periods, and premium figures are caller-supplied inputs, never inferred by the kernel. The verdict is an arithmetic and sequence finding, not a legal determination that a charge was improper. The premium comparison is values-only; the kernel never labels a premium reasonable or unreasonable.

OpenChainGraph · 2 Steps compliance mandate · Reg X 1024 Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII
Chain Topology (linear): Force-Placed Insurance Check → Session Receipt
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 2 Steps
1 ROOT node
Force-Placed Insurance Notice Checker art-734-force-placed-insurance-checker
Verifies the 45-day advance first notice with its prescribed content set, the reminder notice at least 30 days after the first notice and at least 15 days before the charge, and the no-evidence-of-continuous-coverage precondition; evaluates the 15-day cancellation and refund clock with a pro-rata overlapping-coverage refund computed from values; reports the charged premium against borrower alternative quotes as a values-only comparison
MCP Call · check_force_placed_notice
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "check_force_placed_notice",
    "arguments": {}
  },
  "id": 1
}
https://mcp.ainumbers.co/mcp
↓
2 TERMINAL · D2 node
Agent-Action Audit-Trail Aggregator cry-05-agent-action-audit-trail-aggregator
Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)
MCP Call · aggregate_execution_receipts
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "aggregate_execution_receipts",
    "arguments": {}
  },
  "id": 1
}
https://mcp.ainumbers.co/mcp
Export Artifacts
Download the §4 chain definition artifact (hash-anchored composite JSON) or the §13.11 W3C Verifiable Credentials view. Both derive from the chain definition. No new hash is minted. Available after hash computation.

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this whole workflow on the server and check one field that answers a real question.

Question: My servicer charged $1,200 for force-placed insurance. Were the required notices sent first, and how does it compare to my $600 quote?
Run the AINumbers MCP tool `run_chain` with {"chain":"force-placed-insurance-check"} and read `art-734-force-placed-insurance-checker.verdict`.
Re-run with `inputs` for `art-734-force-placed-insurance-checker`, reusing the values that result echoed, with `alternative_quote_amount` changed so a $450 quote instead of $600. 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/force-placed-insurance-check.html