{
  "tool_id": "art-227-validate-adverse-action-notice",
  "tool_version": "1.0.0",
  "display_name": "Validate Adverse Action Notice",
  "mcp_name": "validate_adverse_action_notice",
  "mandate_type": "compliance_mandate",
  "wave": 39,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-227-validate-adverse-action-notice.html",
  "description": "Validates an adverse action notice against Reg B §1002.9 completeness requirements: reason count (max 4), prohibited vague reason codes (CFPB Circulars 2022-03/2023-03), required content fields (creditor name, date, statement of rights), and FCRA §615(a) rights disclosure when a credit score was used. Outputs compliance_score (0-100), violation list, and a remediation checklist. Reg B 12 CFR §1002.9, ECOA 15 USC §1691, FCRA §615(a).",
  "input_schema_ref": "chaingraph/art-227-validate-adverse-action-notice.html#manifest",
  "consumes": [
    "art-228-build-adverse-action-notice"
  ],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:8e6f6cc5b36d30e20843f8cc21fc37c9ed8e4e3e3754df6df4f74bb1f12ce44a",
      "valid_from": "2026-07-10"
    },
    {
      "system": "risc0",
      "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
      "valid_from": "2026-07-04"
    }
  ],
  "export_capability": [
    "json"
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "Evvi8BhmS2cHsVydr5gxjG69aNE/5ES9ZmY00GdmjYQQ0YcnKdcy+EEP+78uIZSEu15LKiyxDvNzrISd5rCsCBEC+0jNRB9xP2pHOoWSyAck5kro1yM2Mu7x49sl4eLdGwIP9noHr6uuu4ZXwsfpBXRIG+UZSftWSvCXPCQ7yTghOj10PKp7W0UjkOR/s6T2DNgzJzF+P6nD4ycdd0Ya4S9Ei+21eYxzWzqwkpd2R1NH050orp5F/fFCYN/O6r2HLAudsCUIFB2HDmbN/McMJosSbgglVENF6/IUEHnY1DcE8YrL1VI2ECBmYld1UmiX8b96BPf5PXwToI9eR9+0FA==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:8e6f6cc5b36d30e20843f8cc21fc37c9ed8e4e3e3754df6df4f74bb1f12ce44a",
      "output": {
        "action_taken": "denied",
        "compliance_score": 1,
        "compliant": true,
        "credit_score_used": true,
        "fcra_required": true,
        "fcra_violations": 0,
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data.",
        "reason_count": 4,
        "reason_count_valid": true,
        "regulatory_basis": "Reg B §1002.9(a)(2)(i) (12 CFR Part 1002); ECOA 15 USC §1691(d); FCRA §615(a) 15 USC §1681m(a); CFPB Circular 2022-03; CFPB Circular 2023-03",
        "table_source": "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); 12 CFR §1002.9; 15 USC §1681m",
        "table_version": "REG-B-ADVERSE-ACTION-2024-CFPB-CIRC-2023-03",
        "violation_count": 0,
        "violations": [],
        "warning_count": 0,
        "warnings": []
      }
    }
  }
}