{"composer_url":"https://ainumbers.co/chaingraph/chains/private-student-loan-disclosure-check.html","description":"Three-step chain. Step 1 rebuilds the private student loan amortization schedule from loan amount, rate, and term. Step 2 checks the lender's disclosure packet across the three 12 CFR 1026.46-48 stages, HEOA self-certification presence, and the 3-business-day rescission window. Step 1 payment amount, totals, and execution hash are cited for manual comparison against the disclosed estimated total cost and repayment schedule; the checker does not read the lender's figures. Federal math only; not legal advice.","domain":"Consumer Lending & Fair Lending","name":"private-student-loan-disclosure-check","regulatory_basis_decided_at":"2026-10-12","regulatory_basis_decided_by":"CHAIN-COMPOSE-STUDENTLOAN-1","regulatory_basis_status":"not_assessed","regulatory_refs":["12 CFR 1026.46-48"],"sequence_not_statutory":true,"steps":[{"handoff":"Rebuilds the level-payment amortization schedule from the loan terms; payment amount, totals, and execution hash are cited for manual comparison at step 2.","tool_id":"art-332-build-amortization-schedule"},{"handoff":"Checks the disclosure packet across the three 12 CFR 1026.46-48 stages, HEOA self-certification presence, and the 3-business-day rescission window; step-1 totals are compared manually against the disclosed figures.","tool_id":"art-405-check-private-student-loan-disclosures"},{"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":"Private Student Loan Disclosure Check"}