OpenChainGraph Suite · OCG v0.8.0 · US Mortgage Compliance · Cluster ㉑

Mortgage APR Accuracy and Tolerance Cure

Linear three-step TRID remediation chain. Computes the actual APR from Reg Z Appendix J parameters, verifies APR accuracy against the disclosed figure, and produces a complete TRID fee tolerance cure package. Use this chain when you need to both diagnose an APR disclosure error and quantify the cure amount for loan remediation.

OpenChainGraph · 3 Steps compliance mandate · TRID Cure Hash-Anchored §4 chain_depth:3 Client-Side · Zero PII
Not legal or compliance advice. Outputs are computed from your inputs and standard Reg Z formulas. Consult qualified counsel before relying on any result for loan remediation or production decisions.
Chain Topology (linear) — Reg Z APR Solver → TRID APR Accuracy → TRID Tolerance Cure
§4 Execution Hash · Chain Definition Anchor
execution_hash:computing…
Chain Stages · 3 Steps · Linear
1 ROOT node
Reg Z Appendix J APR Solver art-215-reg-z-appendix-j-apr
Actual APR feeds TRID accuracy check at step 2
MCP Call · compute_reg_z_appendix_j_apr
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compute_reg_z_appendix_j_apr",
    "arguments": {
      "loan_amount": 400000,
      "payment_amount": 2528.27,
      "num_payments": 360,
      "periods_per_year": 12
    }
  },
  "id": 1
}
2 MIDDLE node
TRID APR Accuracy Verifier art-217-trid-apr-accuracy
APR accuracy verdict and flags inform cure requirement
MCP Call · verify_trid_apr_accuracy
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "verify_trid_apr_accuracy",
    "arguments": {
      "disclosed_apr_pct": 6.875,
      "actual_apr_pct": 6.875
    }
  },
  "id": 2
}
3 TERMINAL node
TRID Fee Tolerance and Cure art-216-trid-tolerance-cure
Cure amount and fee analysis — final stage
MCP Call · compute_trid_tolerance_cure
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compute_trid_tolerance_cure",
    "arguments": {
      "fees": [
        {"name": "Origination fee", "bucket": "zero_tolerance", "le_amount": 1500, "cd_amount": 1500},
        {"name": "Appraisal fee", "bucket": "ten_pct_cumulative", "le_amount": 600, "cd_amount": 640},
        {"name": "Title service", "bucket": "ten_pct_cumulative", "le_amount": 1200, "cd_amount": 1250}
      ]
    }
  },
  "id": 3
}
Export Chain Artifact
Download the §4 chain definition artifact (hash-anchored JSON). Available after hash computation.