{
  "tool_id": "art-431-fdic-assessment-rate-calculator",
  "tool_version": "1.0.0",
  "display_name": "FDIC Deposit-Insurance Assessment Rate Calculator",
  "mcp_name": "compute_fdic_assessment_rate",
  "mandate_type": "compliance_mandate",
  "wave": 71,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-431-fdic-assessment-rate-calculator.html",
  "description": "FDIC deposit-insurance assessment rate calculator (12 CFR 327): looks up the base assessment rate for a supplied composite CAMELS + financial-ratio score against a caller-supplied rate schedule, then applies the unsecured-debt and brokered-deposit adjustments and floors/caps the result to a caller-supplied statutory range. The rate schedule is caller-supplied policy input, not hardcoded, so a future FDIC rate-schedule update (including a pending assessments rulemaking) is a policy_parameters change, not a kernel change. Does not compute the composite CAMELS score itself.",
  "input_schema_ref": "chaingraph/art-431-fdic-assessment-rate-calculator.html#manifest",
  "deadline": null,
  "deadline_note": "A pending FDIC assessments rulemaking (NPR, June 2026) may revise the published rate schedule; verify the current schedule at fdic.gov before relying on this output for any live filing decision.",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:b1df1b03484fa6c52ac635f0e59f3d0c3f8d2fade923f4ad223a7d39202d1e26",
      "valid_from": "2026-07-10"
    },
    {
      "system": "risc0",
      "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
      "valid_from": "2026-07-23"
    }
  ],
  "export_capability": [
    "json"
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "K+7s3S2iyu1o7ko/XHTpWk2DiIX4RuEF4vYXkx+ISA4MeqAIBZ9gp7uo1ROosOwzNJcXe5A75E9R/4rD79r0AQxVZjmDDvxyfZxJidghV6BxxDJbUJup3MgMz2fMrKptKu/NQ7RpFE3utHLYfZwyH/V5+Qhn30p4zXAb9tWPnE0JoFtP+7sF2UhlOR2EsPRqLar+9xuYJQtu/3m1V3HL4x0XGzE706TQ/pqjEXYB7dEBq8KdIcHQ5NkyY+9OIowuK76nPxG2WWlO0j2mmLUmeKsMFuBS3ugR/2hsucGEY0oXXtoWaC1VqUTkiYQbY/xRfuZPp4ebKMUsM0GBttFm2Q==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:b1df1b03484fa6c52ac635f0e59f3d0c3f8d2fade923f4ad223a7d39202d1e26",
      "output": {
        "assessment_base_musd": 8000,
        "base_rate_bp": 7,
        "brokered_deposit_adjustment_bp": 0.5,
        "estimated_quarterly_assessment_musd": 1.3,
        "note": "Base rate = lookup of the supplied composite CAMELS + financial-ratio score against a caller-supplied rate-bracket schedule (policy input, not hardcoded), then adjusted for unsecured debt and brokered deposits and floored/capped to the caller-supplied statutory range. Does NOT compute the composite score itself and is NOT a filing-ready assessment invoice.",
        "npr_banner": "A pending FDIC assessments rulemaking (NPR, June 2026) may revise this rate schedule -- verify the current published schedule at fdic.gov before relying on this output for any live filing decision.",
        "rate_cap_bp": 40,
        "rate_floor_bp": 1.5,
        "rate_floor_or_cap_applied": false,
        "rate_schedule_version": "FDIC-2023-FINAL-RULE-SAMPLE-V1",
        "total_rate_bp": 6.5,
        "total_score": 62,
        "unsecured_debt_adjustment_bp": -1
      }
    }
  }
}