{
  "tool_id": "art-230-compute-hmda-rate-spread",
  "note": "Vectors from 12 CFR §1003.4(a)(12). Known constants: 1.5pp first-lien threshold, 3.5pp subordinate-lien threshold. golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "first_lien_reportable_at_15pp",
      "description": "APR 7.0%, APOR 5.5%, first lien: spread 1.5pp at 1.5pp threshold -- reportable. Known: 1.5pp first-lien threshold per 12 CFR §1003.4(a)(12).",
      "policy_parameters": {
        "apr_pct": 7,
        "apor_pct": 5.5,
        "lien_type": "first",
        "product_type": "closed_end",
        "lock_date": "2026-01-15"
      },
      "output_payload": {
        "rate_spread_pct": 1.5,
        "apr_pct": 7,
        "apor_pct": 5.5,
        "lien_type": "first",
        "product_type": "closed_end",
        "reportability_threshold_pct": 1.5,
        "is_reportable": true,
        "hmda_report_code": "1.500",
        "lock_date": "2026-01-15",
        "apor_source_note": "APOR must be sourced from FFIEC weekly table at ffiec.gov/ratespread for the applicable lock date and comparable transaction term.",
        "regulatory_basis": "12 CFR §1003.4(a)(12); HMDA 12 USC §2801; FFIEC Rate Spread methodology",
        "table_version": "HMDA-FFIEC-RATE-SPREAD-2024-12CFR1003",
        "table_source": "12 CFR §1003.4(a)(12) (2018 HMDA Final Rule FR 2015-26607, effective Jan 2018); FFIEC Rate Spread Calculator (ffiec.gov/ratespread); first-lien threshold 1.5pp; subordinate 3.5pp; HELOC first-lien 6.5pp",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "b6c17a6a44a7055c0dcc68eefd7d4e22b86663fa5657f99753de89b58f58cde1"
    },
    {
      "name": "first_lien_not_reportable_10pp",
      "description": "APR 6.5%, APOR 5.5%, first lien: spread 1.0pp < 1.5pp -- not reportable, HMDA field code NA.",
      "policy_parameters": {
        "apr_pct": 6.5,
        "apor_pct": 5.5,
        "lien_type": "first",
        "product_type": "closed_end",
        "lock_date": "2026-01-15"
      },
      "output_payload": {
        "rate_spread_pct": 1,
        "apr_pct": 6.5,
        "apor_pct": 5.5,
        "lien_type": "first",
        "product_type": "closed_end",
        "reportability_threshold_pct": 1.5,
        "is_reportable": false,
        "hmda_report_code": "NA",
        "lock_date": "2026-01-15",
        "apor_source_note": "APOR must be sourced from FFIEC weekly table at ffiec.gov/ratespread for the applicable lock date and comparable transaction term.",
        "regulatory_basis": "12 CFR §1003.4(a)(12); HMDA 12 USC §2801; FFIEC Rate Spread methodology",
        "table_version": "HMDA-FFIEC-RATE-SPREAD-2024-12CFR1003",
        "table_source": "12 CFR §1003.4(a)(12) (2018 HMDA Final Rule FR 2015-26607, effective Jan 2018); FFIEC Rate Spread Calculator (ffiec.gov/ratespread); first-lien threshold 1.5pp; subordinate 3.5pp; HELOC first-lien 6.5pp",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "8a3bc3cf4e8c22735201b8649e516080dc05b599e2c27d827bebcaf82922642e"
    },
    {
      "name": "subordinate_reportable_at_35pp",
      "description": "APR 6.0%, APOR 2.5%, subordinate: spread 3.5pp at 3.5pp threshold -- reportable. Known: 3.5pp subordinate threshold per 12 CFR §1003.4(a)(12).",
      "policy_parameters": {
        "apr_pct": 6,
        "apor_pct": 2.5,
        "lien_type": "subordinate",
        "product_type": "closed_end",
        "lock_date": "2026-01-15"
      },
      "output_payload": {
        "rate_spread_pct": 3.5,
        "apr_pct": 6,
        "apor_pct": 2.5,
        "lien_type": "subordinate",
        "product_type": "closed_end",
        "reportability_threshold_pct": 3.5,
        "is_reportable": true,
        "hmda_report_code": "3.500",
        "lock_date": "2026-01-15",
        "apor_source_note": "APOR must be sourced from FFIEC weekly table at ffiec.gov/ratespread for the applicable lock date and comparable transaction term.",
        "regulatory_basis": "12 CFR §1003.4(a)(12); HMDA 12 USC §2801; FFIEC Rate Spread methodology",
        "table_version": "HMDA-FFIEC-RATE-SPREAD-2024-12CFR1003",
        "table_source": "12 CFR §1003.4(a)(12) (2018 HMDA Final Rule FR 2015-26607, effective Jan 2018); FFIEC Rate Spread Calculator (ffiec.gov/ratespread); first-lien threshold 1.5pp; subordinate 3.5pp; HELOC first-lien 6.5pp",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "a354d426b0218ec73a9e60792240b77cf8d33d42276bb09f7f8b5b3fb0536c50"
    }
  ]
}