{"composer_url":"https://ainumbers.co/chaingraph/chains/garnishment-withholding-check.html","description":"Verify a paycheck's garnishment withholding in three recompute stages: first compute federal income tax withholding by the IRS Publication 15-T percentage method for the declared tax year edition (ART-338), then compute gross-to-net pay with FICA at that year's Social Security wage base (ART-339), then recompute how much of the employee's disposable earnings each order in a caller-declared garnishment stack may lawfully withhold under the CCPA Title III caps, compared against a garnishment notice where one is supplied (ART-572), closing with a session receipt aggregating the run's execution hashes (CRY-05). Wage, filing, deduction, and order figures are caller-supplied inputs; each stage is an independent recompute from its own declared inputs. A mismatch is an arithmetic finding, never a legal determination about an order's validity. Not legal advice and not tax advice.","domain":"HR & Benefits Compliance","name":"garnishment-withholding-check","regulatory_basis_decided_at":"2026-10-23","regulatory_basis_decided_by":"CHAIN-COMPOSE-GARNISH-1","regulatory_basis_status":"not_assessed","regulatory_refs":["15 USC 1671-1677 (CCPA Title III)","IRS Publication 15-T"],"sequence_not_statutory":true,"steps":[{"handoff":"Computes federal income tax withholding by the IRS Publication 15-T percentage method, Worksheet 1A, for a 2020-or-later Form W-4; tax_year is a required input and selects the edition, and an unsupported year fails closed rather than defaulting","tool_id":"art-338-compute-federal-withholding"},{"handoff":"Computes gross-to-net pay: FICA (Social Security 6.2 percent up to the selected tax year's OASDI wage base, Medicare 1.45 percent uncapped, Additional Medicare Tax 0.9 percent over the statutory threshold), pretax deduction ordering, and net pay","tool_id":"art-339-compute-gross-to-net"},{"handoff":"Recomputes, for one stated pay period, how much of an employee's disposable earnings each order in a caller-declared garnishment stack may lawfully withhold under the CCPA Title III caps, and compares the recomputed per-order withholding against a garnishment notice where one is supplied","tool_id":"art-572-multi-garnishment-stacking-recompute"},{"handoff":"Produces session_receipt_root, the Merkle root over the run's execution_hashes (final stage)","tool_id":"cry-05-agent-action-audit-trail-aggregator"}],"title":"Garnishment Withholding Check"}