{
  "tool_id": "art-229-compute-disparity-metrics",
  "note": "Vectors from 29 CFR §1607.4(D) 4/5ths adverse-impact rule. Known constant: 4/5ths threshold = 0.8. golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "air_0778_below_threshold_flagged",
      "description": "Protected 70/100 vs control 90/100: AIR = 0.7778 below 0.8 threshold -- ADVERSE_IMPACT_FLAGGED. Known: 70/90 = 0.7778.",
      "policy_parameters": {
        "group_a_label": "protected_class",
        "group_b_label": "control_group",
        "group_a_approvals": 70,
        "group_a_total": 100,
        "group_b_approvals": 90,
        "group_b_total": 100
      },
      "output_payload": {
        "group_a": {
          "label": "protected_class",
          "approvals": 70,
          "total": 100,
          "approval_rate": 0.7
        },
        "group_b": {
          "label": "control_group",
          "approvals": 90,
          "total": 100,
          "approval_rate": 0.9
        },
        "adverse_impact_ratio": 0.7778,
        "four_fifths_threshold": 0.8,
        "four_fifths_flag": true,
        "four_fifths_result": "ADVERSE_IMPACT_FLAGGED",
        "two_proportion_z": -3.5355,
        "z_critical_flag_onetail_05": true,
        "z_critical_flag_twotail_05": true,
        "pooled_proportion": 0.8,
        "odds_ratio": 0.2593,
        "standardized_mean_difference": -3.6515,
        "n_total": 200,
        "zero_pii_confirmation": "Inputs are aggregate count data only. No individual applicant records processed.",
        "regulatory_basis": "29 CFR §1607.4(D) (EEOC UGSP); ECOA 15 USC §1691; 12 CFR Part 1002 (Reg B); HMDA 12 USC §2801; OCC Fair Lending Handbook 2020",
        "table_version": "EEOC-UGSP-29CFR1607-2024",
        "table_source": "29 CFR Part 1607 Uniform Guidelines on Employee Selection Procedures (Federal Register 43 FR 38290 1978-08-25); CFPB HMDA Examination Procedures; OCC Fair Lending Handbook Oct 2020",
        "pii_note": "All inputs are aggregate count data only. No individual applicant records are processed. Zero PII by construction."
      },
      "golden_hash": "a1d6f4b16746764a48d88eacc2653ab3541b32912f3560676af1447c8de91f5e"
    },
    {
      "name": "air_0889_above_threshold_pass",
      "description": "Protected 80/100 vs control 90/100: AIR = 0.8889 >= 0.8 threshold -- PASS. Confirms 0.8 threshold correctly applied.",
      "policy_parameters": {
        "group_a_label": "protected_class",
        "group_b_label": "control_group",
        "group_a_approvals": 80,
        "group_a_total": 100,
        "group_b_approvals": 90,
        "group_b_total": 100
      },
      "output_payload": {
        "group_a": {
          "label": "protected_class",
          "approvals": 80,
          "total": 100,
          "approval_rate": 0.8
        },
        "group_b": {
          "label": "control_group",
          "approvals": 90,
          "total": 100,
          "approval_rate": 0.9
        },
        "adverse_impact_ratio": 0.8889,
        "four_fifths_threshold": 0.8,
        "four_fifths_flag": false,
        "four_fifths_result": "PASS",
        "two_proportion_z": -1.9803,
        "z_critical_flag_onetail_05": true,
        "z_critical_flag_twotail_05": true,
        "pooled_proportion": 0.85,
        "odds_ratio": 0.4444,
        "standardized_mean_difference": -2,
        "n_total": 200,
        "zero_pii_confirmation": "Inputs are aggregate count data only. No individual applicant records processed.",
        "regulatory_basis": "29 CFR §1607.4(D) (EEOC UGSP); ECOA 15 USC §1691; 12 CFR Part 1002 (Reg B); HMDA 12 USC §2801; OCC Fair Lending Handbook 2020",
        "table_version": "EEOC-UGSP-29CFR1607-2024",
        "table_source": "29 CFR Part 1607 Uniform Guidelines on Employee Selection Procedures (Federal Register 43 FR 38290 1978-08-25); CFPB HMDA Examination Procedures; OCC Fair Lending Handbook Oct 2020",
        "pii_note": "All inputs are aggregate count data only. No individual applicant records are processed. Zero PII by construction."
      },
      "golden_hash": "3d14f18d8511a99eecd507bc395d399eb6ccf0e8cb2a9f7e3805bf796e678abb"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty inputs (zero totals) return finite zero-state with INSUFFICIENT_DATA flag.",
      "policy_parameters": {},
      "output_payload": {
        "group_a": {
          "label": "protected_class",
          "approvals": 0,
          "total": 0,
          "approval_rate": 0
        },
        "group_b": {
          "label": "control_group",
          "approvals": 0,
          "total": 0,
          "approval_rate": 0
        },
        "adverse_impact_ratio": 0,
        "four_fifths_threshold": 0.8,
        "four_fifths_flag": false,
        "four_fifths_result": "INSUFFICIENT_DATA",
        "two_proportion_z": 0,
        "z_critical_flag_onetail_05": false,
        "z_critical_flag_twotail_05": false,
        "odds_ratio": 0,
        "standardized_mean_difference": 0,
        "n_total": 0,
        "regulatory_basis": "29 CFR §1607.4(D) (EEOC UGSP); ECOA 15 USC §1691; 12 CFR Part 1002 (Reg B); HMDA 12 USC §2801",
        "table_version": "EEOC-UGSP-29CFR1607-2024",
        "table_source": "29 CFR Part 1607 Uniform Guidelines on Employee Selection Procedures; CFPB HMDA Examination Procedures; OCC Fair Lending Handbook 2020",
        "pii_note": "All inputs are aggregate count data only. No individual applicant records are processed. Zero PII by construction."
      },
      "golden_hash": "4b16b9cfdc1f4d7f1dea49bc212c2b346bc81e45f66b51a977cbca6801cdbe33"
    }
  ]
}