{
  "tool_id": "art-220-reg-z-threshold-lookup",
  "note": "golden_hash is empty until first golden-parity.test.mjs --update. Vector 1: QM points-and-fees 2026 table. Vector 2: HOEPA 2026 table.",
  "vectors": [
    {
      "name": "qm_points_fees_2026",
      "description": "QM points-and-fees tier table for 2026 (FR 2025-22773). Version-pinned reference for agents.",
      "policy_parameters": {
        "year": 2026,
        "table": "qm_points_fees"
      },
      "output_payload": {
        "table": "qm_points_fees",
        "year": 2026,
        "available_years": [
          2021,
          2022,
          2023,
          2024,
          2025,
          2026
        ],
        "data": {
          "fr_citation": "FR 2025-22773, effective 2026-01-01",
          "effective": "2026-01-01",
          "tier_1_min": 137958,
          "tier_1_pct": 3,
          "tier_2_fixed": 4139,
          "tier_3_min": 27592,
          "tier_3_pct": 5,
          "tier_4_fixed": 1380,
          "tier_5_pct": 8
        },
        "regulatory_basis": "Reg Z 12 CFR 1026 (version-pinned threshold table)",
        "note": "This node exists because agents hallucinate current-year dollar thresholds. Values are pinned at build time; refresh yearly. Always verify at consumerfinance.gov for the latest effective rule."
      },
      "compliance_flags": [],
      "golden_hash": "43d43e1b5ac519566dd345496b655fe80a2f815428ab17703c092c15f490c8b6"
    },
    {
      "name": "hoepa_2026",
      "description": "HOEPA high-cost mortgage threshold table for 2026. Rate spread: 6.5 pp first-lien, 8.5 pp sub-lien. Points-and-fees: 5% or $1,380.",
      "policy_parameters": {
        "year": 2026,
        "table": "hoepa"
      },
      "output_payload": {
        "table": "hoepa",
        "year": 2026,
        "available_years": [
          2021,
          2022,
          2023,
          2024,
          2025,
          2026
        ],
        "data": {
          "fr_citation": "FR 2025-22773, effective 2026-01-01",
          "effective": "2026-01-01",
          "rate_spread_first_lien_pp": 6.5,
          "rate_spread_sub_lien_pp": 8.5,
          "points_fees_pct": 5,
          "points_fees_floor": 1380
        },
        "regulatory_basis": "Reg Z 12 CFR 1026 (version-pinned threshold table)",
        "note": "This node exists because agents hallucinate current-year dollar thresholds. Values are pinned at build time; refresh yearly. Always verify at consumerfinance.gov for the latest effective rule."
      },
      "compliance_flags": [],
      "golden_hash": "b74fd7c0ba790ce3d478e28b46cc918314a2ecfc481e3ff1ba263180af19e1e2"
    }
  ]
}