{"composer_url":"https://ainumbers.co/chaingraph/chains/mla-mapr-cashflow-check.html","description":"Recompute a closed-end loan's Military Annual Percentage Rate from the borrower's actual cash flows and charges in two stages: first recompute the MAPR by the Regulation Z actuarial method over the 32 CFR 232.4(c)(1) charge set and compare it with the 36 percent cap in 232.4(b) (ART-616), then a session receipt aggregating the run's execution hashes (CRY-05). Advances, payments, timings, and charges are caller-supplied inputs; bona fide fee and application-fee exception questions are surfaced for manual review, never decided. The result is an arithmetic recompute, never a legal determination and never a covered-borrower determination. Not legal advice.","domain":"Consumer Lending & Fair Lending","name":"mla-mapr-cashflow-check","regulatory_basis_decided_at":"2026-10-23","regulatory_basis_decided_by":"CHAIN-COMPOSE-MLA-MAPR-1","regulatory_basis_status":"not_assessed","regulatory_refs":["32 CFR Part 232"],"sequence_not_statutory":true,"steps":[{"handoff":"Recomputes a closed-end loan's Military Annual Percentage Rate from caller-supplied advances, payments, and charges by the Regulation Z actuarial method over the 32 CFR 232.4(c)(1) charge set; classifies each charge with its paragraph citation; compares the recomputed rate with the 36 percent cap in 232.4(b); surfaces bona fide fee and application-fee exception questions for manual review","tool_id":"art-616-mla-mapr-actuarial-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":"MLA MAPR Cashflow Check"}