{
  "tool_id": "art-734-force-placed-insurance-checker",
  "tool_version": "1.0.0",
  "display_name": "Force-Placed Insurance Notice Checker",
  "mcp_name": "check_force_placed_notice",
  "mandate_type": "consumer_finance",
  "wave": 132,
  "gpu": false,
  "url": "https://ainumbers.co/chaingraph/art-734-force-placed-insurance-checker.html",
  "description": "Checks a lender-placed (force-placed) insurance event against the notice sequence required before a servicer may charge the borrower: the 45-day advance first notice with its prescribed content set, the reminder notice at least 15 days before the charge and at least 30 days after the first notice, and the no-evidence-of-continuous-coverage precondition; evaluates the 15-day cancellation-and-refund clock with a pro-rata overlapping-coverage refund computed from values; and reports the charged premium against borrower-provided alternative-quote values as a values-only comparison table. Every element carries its paragraph citation. Missing quote values, invalid dates and amounts, and inverted coverage periods are refused, never computed. The node never labels a premium reasonable or unreasonable; the comparison is surfaced, the judgement is not.",
  "input_schema_ref": "chaingraph/art-734-force-placed-insurance-checker.html#manifest",
  "consumes": [],
  "feeds": [],
  "status": "live",
  "conformance_fixtures": true,
  "compute_capability": "server",
  "compute_images": [{"system":"sha256-source","image_id":"sha256:dbad1174408ec1f0f5c95733d54dba4f6fb04ce2add7c6bb270fa77b271b8c39","valid_from":"2026-10-14"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-10-18"}],
  "export_capability": ["json"],
  "standards_basis": "implements_standard",
  "cited_clause_digest": [
    {
      "digest": "sha256:4fd8cc42328922cbdec7f9e16dcb01b0b14c40b9eb237600575bea7265ea2892",
      "source_url": "https://www.ecfr.gov/api/versioner/v1/full/2026-10-02/title-12.xml?part=1024&section=1024.37",
      "retrieved_at": "2026-10-06",
      "clause_path": "12 CFR 1024.37(b), (c)(1)(i)-(iii), (c)(2), (d)(1), (f), (g), (h)(1)-(2) -- force-placed insurance: reasonable basis to charge, 45-day advance first notice with prescribed content, reminder notice 30 days after the first notice and 15 days before the charge, first-class mailing, 15-day cancel-and-refund with pro-rata overlapping-coverage refund, bona fide and reasonable charges reported values-only",
      "scheme": "cfr",
      "id": "12 CFR 1024.37 force-placed insurance notice sequence"
    }
  ],
  "compute_proof_ready": "ready",
  "compute_proof": {
    "type": "ZkVmReceipt",
    "system": "risc0",
    "receiptFormat": "groth16-bn254",
    "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
    "seal": "A9UqX2xdkALkkIPFtkCiF2sVzyTv2aQcIZSddOYJfEMB/6MX9nj5AC4noFVj+o886768yZchJbwvrPlSXzbdDRGA8rrLE+bvCCvHjhiH/mC4TA94DObsZAFCAHzTPEEcDINuHxS7/IhI/7oYrzD/67XmAxXoMbBO9TvbJNW24IcoCav+Iq8icLdvsJfW715YHxs2nKp3Fxh//ID3tda8RQd+tjdNU0VREtLogjUAHG5LiIcoWXabiRH/PZLgxr2WDkN7Bg2i+NBbAqKLTTzYOslcQwsgs6JetNR7ZyY+YXIhnMX/qLDZInB3TePU4GDZjU0Q48BVIKTbFdCANffhVQ==",
    "journal": {
      "chaingraph_version": "0.4.0",
      "kernel_digest": "sha256:dbad1174408ec1f0f5c95733d54dba4f6fb04ce2add7c6bb270fa77b271b8c39",
      "output": {
        "charge_summary": {
          "charge_coverage_end": "2027-04-19",
          "charge_coverage_start": "2026-04-20",
          "charge_date": "2026-04-20",
          "charged_premium_amount": 1200
        },
        "elements": [
          {
            "cited_paragraph": "12 CFR 1024.37(c)(1)(i)",
            "days_between_first_notice_and_charge": 50,
            "element_id": "first_notice_45_day_advance",
            "minimum_days": 45,
            "requirement": "written first notice delivered or mailed at least 45 days before the premium charge is assessed",
            "state": "met"
          },
          {
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "days_between_reminder_and_charge": 19,
            "element_id": "reminder_15_days_before_charge",
            "minimum_days": 15,
            "requirement": "reminder notice delivered or mailed at least 15 days before the premium charge is assessed",
            "state": "met"
          },
          {
            "cited_paragraph": "12 CFR 1024.37(d)(1)",
            "days_between_first_notice_and_reminder": 31,
            "element_id": "reminder_30_days_after_first_notice",
            "minimum_days": 30,
            "requirement": "reminder notice not delivered or mailed until at least 30 days after the first notice",
            "state": "met"
          },
          {
            "cited_paragraph": "12 CFR 1024.37(c)(1)(iii)",
            "element_id": "no_continuous_coverage_evidence_before_charge",
            "note": "no evidence of continuous coverage reported as received",
            "requirement": "by the end of the 15-day period beginning on the reminder delivery date the servicer has not received evidence of continuous compliant coverage (a charge assessed despite such evidence is not permitted)",
            "state": "met"
          },
          {
            "cited_paragraph": "12 CFR 1024.37(c)(2)",
            "element_id": "first_notice_content",
            "note": "first_notice_content_items not supplied; content checklist not evaluated",
            "requirement": "the first notice sets forth the information required by the content paragraph (all eleven enumerated items)",
            "state": "not_applicable"
          },
          {
            "cited_paragraph": "12 CFR 1024.37(f)",
            "element_id": "mail_class_at_least_first_class",
            "note": "notice_mail_class not supplied; mailing check not evaluated",
            "requirement": "mailed notices use a class of mail not less than first-class mail",
            "state": "not_applicable"
          },
          {
            "cited_paragraph": "12 CFR 1024.37(h)(1)-(2)",
            "element_id": "premium_benchmark",
            "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable",
            "requirement": "charges related to force-placed insurance must be bona fide and reasonable (the node reports the comparison values only)",
            "state": "met"
          }
        ],
        "evidence": {
          "record_type": "force_placed_insurance_notice_check",
          "refused": false,
          "tool_id": "art-734-force-placed-insurance-checker",
          "tool_version": "1.0.0"
        },
        "manual_review_required": false,
        "premium_benchmark": {
          "alternative_quote_amount": 600,
          "charged_premium_amount": 1200,
          "comparison_table": [
            {
              "item": "charged_premium",
              "value": 1200
            },
            {
              "item": "borrower_alternative_quote",
              "value": 600
            },
            {
              "item": "difference_charged_minus_quote",
              "value": 600
            },
            {
              "item": "ratio_charged_to_quote",
              "value": 2
            }
          ],
          "difference_charged_minus_quote": 600,
          "note": "values_only_comparison: the node reports charged vs alternative-quote values and never labels a premium reasonable or unreasonable",
          "ratio_charged_to_quote": 2,
          "state": "reported"
        },
        "refund_evaluation": null,
        "verdict": "compliant"
      }
    }
  }
}