{
  "composer_url": "https://ainumbers.co/chaingraph/chains/small-business-1071-readiness-check.html",
  "description": "Check small business lending coverage readiness in two independent stages: first compute whether a financial institution meets the CFPB Section 1071 origination threshold from caller-supplied origination counts and validate SBLAR records against caller-declared required fields (ART-475); then a session receipt aggregating the run's execution hashes (CRY-05). All origination counts, field lists, and SBLAR records are caller-supplied; findings are arithmetic findings, never coverage determinations. Federal only, not legal advice.",
  "domain": "SME & Commercial Finance",
  "name": "small-business-1071-readiness-check",
  "regulatory_basis_decided_at": "2026-10-23",
  "regulatory_basis_decided_by": "CHAIN-COMPOSE-SB1-1",
  "regulatory_basis_status": "not_assessed",
  "regulatory_refs": [
    "12 CFR Part 1002 (CFPB Section 1071 Rule)"
  ],
  "sequence_not_statutory": true,
  "steps": [
    {
      "handoff": "Computes Section 1071 coverage from caller-supplied origination counts and validates SBLAR records against a caller-declared required-field list",
      "tool_id": "art-475-cfpb-1071-coverage-check"
    },
    {
      "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": "Small Business 1071 Readiness Check"
}