{"composer_url":"https://ainumbers.co/chaingraph/chains/auto-loan-disclosure-verifier.html","description":"Two-step chain. Step 1 rebuilds the auto-loan amortization schedule from amount financed, rate, and term. Step 2 checks the disclosed Amount Financed, Finance Charge, and Total of Payments against the recomputed totals under 12 CFR 1026.18. Tolerance follows 12 CFR 1026.18(d)(2): $5 when the amount financed is $1,000 or less, $10 when it is more than $1,000. APR is not checked in v1. Dealer participation is a self-declared assertion, not a detected finding. Federal TILA math only; not legal advice and not a discrimination finding.","domain":"Consumer Lending & Fair Lending","name":"auto-loan-disclosure-verifier","regulatory_basis_decided_at":"2026-10-11","regulatory_basis_decided_by":"BUILD-AUTOLOAN-CHAIN-1","regulatory_basis_status":"not_assessed","regulatory_refs":["12 CFR 1026.18"],"sequence_not_statutory":true,"steps":[{"handoff":"Rebuilds the level-payment amortization schedule from the contract terms; totals and schedule digest are cited at step 2.","tool_id":"art-332-build-amortization-schedule"},{"handoff":"Checks the disclosed Amount Financed, Finance Charge, and Total of Payments against the step-1 totals and digest. Final stage.","tool_id":"art-404-check-retail-installment-disclosures"}],"title":"Auto-Loan Disclosure Verifier"}