{
  "composer_url": "https://ainumbers.co/chaingraph/chains/overdraft-nsf-fee-recompute-check.html",
  "description": "Recompute overdraft and NSF fee events in two stages: an independent replay of the posted ledger under the caller's declared posting-order policy and fee schedule, diffed by post date and fee type against caller-supplied core-charged fees with a MATCHES, DIVERGES, or INDETERMINATE verdict (ART-662), then a session receipt aggregating the run's execution hashes (CRY-05). Posting order and every fee-schedule term are caller-declared inputs; a divergence is an arithmetic finding, never a determination that a fee was charged incorrectly. Not legal advice.",
  "domain": "Consumer & Wealth Compliance",
  "name": "overdraft-nsf-fee-recompute-check",
  "regulatory_basis_decided_at": "2026-10-13",
  "regulatory_basis_decided_by": "CHAIN-COMPOSE-ODNSF-1",
  "regulatory_basis_status": "not_assessed",
  "regulatory_refs": [
    "12 CFR Part 1030",
    "12 CFR Part 1005"
  ],
  "sequence_not_statutory": true,
  "steps": [
    {
      "handoff": "Replays the posted ledger under the declared posting-order policy and fee schedule to recompute each OD and NSF fee event; recomputed totals are diffed by post date and fee type against the caller-supplied core-charged figures, with verdict MATCHES, DIVERGES, or INDETERMINATE",
      "tool_id": "art-662-odnsf-fee-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": "Overdraft / NSF Fee Recompute Check"
}