{
  "tool_id": "art-615-mla-charge-inclusion-classifier",
  "tool_version": "1.0.0",
  "display_name": "MLA Charge-Inclusion Classifier",
  "mcp_name": "classify_mla_charge_inclusion",
  "mandate_type": "compliance_mandate",
  "wave": 99,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-615-mla-charge-inclusion-classifier.html",
  "description": "Closed-set lookup of whether a charge type must be included in the Military Lending Act MAPR under 32 CFR 232.4(c) and 232.4(d), returning included_in_mapr as true, false or conditional together with the exact paragraph cited and a plain basis sentence. The domain is 9 charge types x is_credit_card_account x short_term_exception_claimed = 36 states, every one of them enumerated. Three charge types return conditional because the regulation's own worked examples at 232.4(d)(4)(iii) run the same fee twice and reach opposite answers on facts a charge type cannot express. The single cell the closed set cannot resolve, an application fee with the 232.4(c)(1)(iii)(B) short-term carve-out claimed, sets manual_review_required and names the three missing predicates rather than guessing. conditional_limit_usd reports the $100 per annum figure of 232.4(c)(2)(ii)(B) on the participation-fee credit-card cells: it NAMES that figure and never compares it to an amount, because 232.4(c)(2)(ii)(B) withdraws the limit for a bona fide participation fee under paragraph (d) and 232.4(d)(3)(iv) gives a $400 fee as potentially reasonable. Performs no arithmetic at all: no ratio, no scale, no threshold compare, no rounding. Zero network calls: does not determine covered-borrower status, does not compute a MAPR, does not compare anything to the 36 percent limit of 232.4(b), and does not decide whether a fee is bona fide or reasonable under 232.4(d)(1) and 232.4(d)(3).",
  "input_schema_ref": "chaingraph/art-615-mla-charge-inclusion-classifier.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [
    {
      "system": "sha256-source",
      "image_id": "sha256:89816e3e50a57991a0dc1ef768b3915ef88e0fad54e72319fdd72363c04680af",
      "valid_from": "2026-08-14"
    },
    {
      "system": "risc0",
      "image_id": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
      "valid_from": "2026-08-16"
    }
  ],
  "export_capability": [
    "json"
  ],
  "standards_basis": "implements_standard",
  "cited_clause_digest": [
    {
      "digest": "sha256:e3890b4f3b32cdd2254b18c2313f4d9365b9b4d5b157ffe3f281280e39dd01e0",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-08-01/title-32.xml?part=232",
      "retrieved_at": "2026-08-14",
      "clause_path": "32 CFR 232.4(c)-(d)",
      "scheme": "cfr",
      "id": "32 CFR 232.4"
    }
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "AW22VsMFgev6J59dlRyVWI4btt1EnhSGTcnZ1Eu+/M4fCQcIk/Ti71g8bK/dHTFnG70F/9ndWDBUAn7tT6yA5CBwiVr4PD88LyAYg/QPvBaPUaAQUrt2echs2lDokifoJYj+UxOIbw7XF9X8zzlLWo+qlFORZSN7s2LQnovhcTIGYNAZ2WTXHmuLzdTqeVO3q7zdfZ7x83GBuish2RdhESoesPqTfCo+TzMs9cQuf0KbyLwLw9dot13lOJ1561nBDtZAHCxRp0vuR41xl7DmclKafsWfiS353g4QGfgG6dkCjGFltlyCzY8Wq57/j8LdU6mCi1kSo3KwEM34MI177w==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:89816e3e50a57991a0dc1ef768b3915ef88e0fad54e72319fdd72363c04680af",
      "output": {
        "basis": "Application fees are included by 32 CFR 232.4(c)(1)(iii)(B), but the caller claims the short-term small amount loan carve-out, which this closed-set lookup cannot resolve without whether the creditor is a Federal credit union or an insured depository institution, whether the loan is a short-term, small amount loan, and whether the application fee was charged no more than once in any rolling 12-month period.",
        "charge_type": "application_fee",
        "citation": "32 CFR 232.4(c)(1)(iii)(B)",
        "conditional_limit_usd": null,
        "included_in_mapr": "conditional",
        "is_credit_card_account": false,
        "manual_review_reason": "the 32 CFR 232.4(c)(1)(iii)(B) carve-out turns on three facts this node does not collect: whether the creditor is a Federal credit union or an insured depository institution, whether the loan is a short-term, small amount loan, and whether the application fee was charged no more than once in any rolling 12-month period",
        "manual_review_required": true,
        "short_term_exception_claimed": true
      }
    }
  }
}