{
  "tool_id": "art-231-compute-mla-mapr",
  "note": "Vectors from 32 CFR §232.4(c) MLA MAPR. Known constant: 36% MAPR cap (10 USC §987(b)). golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "mapr_28pct_within_36pct_cap",
      "description": "Loan $10k 12mo 28% APR + $800 FC + $200 credit insurance: MAPR 28% within 36% MLA cap. Known: 36% cap per 32 CFR §232.4(c).",
      "policy_parameters": {
        "loan_amount": 10000,
        "term_months": 12,
        "stated_apr_pct": 28,
        "finance_charge_total": 800,
        "credit_insurance_premium_total": 200,
        "is_credit_card": false,
        "participation_fee_annual": 0,
        "application_fee": 0
      },
      "output_payload": {
        "mapr_pct": 28,
        "mapr_cap_pct": 36,
        "exceeds_cap": false,
        "bona_fide_fee_annual_limit": 100,
        "total_includable_charges": 1000,
        "total_excluded_charges": 0,
        "effective_finance_charge": 800,
        "credit_insurance_premium_total": 200,
        "credit_card_annual_fee_included": 0,
        "participation_fee_excluded": 0,
        "application_fee_excluded": 0,
        "loan_amount": 10000,
        "term_months": 12,
        "stated_apr_pct": 28,
        "is_credit_card": false,
        "regulatory_basis": "10 USC §987(b); 32 CFR §232.4(c); DoD MLA rule effective Oct 3, 2016",
        "table_version": "MLA-DOD-32CFR232-2016-10-03",
        "table_source": "10 USC §987(b); 32 CFR Part 232 (Federal Register 80 FR 43560 Jul 22 2015, effective Oct 3 2016); 32 CFR §232.4(c)(1)(iii)(A) bona-fide participation fee $100/yr annual exclusion; 32 CFR §232.4(c)(1)(iii)(B) bona-fide application fee exclusion",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "521b0cea2ca1ddd611ef24789c532e4696885e4bdba8725f14d2932e36b428ba"
    },
    {
      "name": "mapr_45pct_exceeds_36pct_cap",
      "description": "Loan $10k 12mo 40% APR + $4,500 FC: MAPR 45% EXCEEDS 36% cap -- violation flagged.",
      "policy_parameters": {
        "loan_amount": 10000,
        "term_months": 12,
        "stated_apr_pct": 40,
        "finance_charge_total": 4500,
        "is_credit_card": false,
        "participation_fee_annual": 0,
        "application_fee": 0
      },
      "output_payload": {
        "mapr_pct": 45,
        "mapr_cap_pct": 36,
        "exceeds_cap": true,
        "bona_fide_fee_annual_limit": 100,
        "total_includable_charges": 4500,
        "total_excluded_charges": 0,
        "effective_finance_charge": 4500,
        "credit_insurance_premium_total": 0,
        "credit_card_annual_fee_included": 0,
        "participation_fee_excluded": 0,
        "application_fee_excluded": 0,
        "loan_amount": 10000,
        "term_months": 12,
        "stated_apr_pct": 40,
        "is_credit_card": false,
        "regulatory_basis": "10 USC §987(b); 32 CFR §232.4(c); DoD MLA rule effective Oct 3, 2016",
        "table_version": "MLA-DOD-32CFR232-2016-10-03",
        "table_source": "10 USC §987(b); 32 CFR Part 232 (Federal Register 80 FR 43560 Jul 22 2015, effective Oct 3 2016); 32 CFR §232.4(c)(1)(iii)(A) bona-fide participation fee $100/yr annual exclusion; 32 CFR §232.4(c)(1)(iii)(B) bona-fide application fee exclusion",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "3e6d220f72ed677fb275a321ee6dcadd8f12640aa6ef4af92e8c526903b9b6d7"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty inputs return finite zero-state (MAPR 0%, no violation).",
      "policy_parameters": {},
      "output_payload": {
        "mapr_pct": 0,
        "mapr_cap_pct": 36,
        "exceeds_cap": false,
        "total_includable_charges": 0,
        "total_excluded_charges": 0,
        "loan_amount": 0,
        "term_months": 0,
        "stated_apr_pct": 0,
        "regulatory_basis": "10 USC §987(b); 32 CFR §232.4(c); DoD MLA rule effective Oct 3, 2016",
        "table_version": "MLA-DOD-32CFR232-2016-10-03",
        "table_source": "10 USC §987(b); 32 CFR Part 232 (Federal Register 80 FR 43560, Jul 22, 2015, effective Oct 3, 2016); 32 CFR §232.4(c)(1)(iii)(A) $100 bona-fide fee exclusion",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "fb186e82113c4d1356243b50a1efd8093d9b2ff5deb433f59522c70a484bd1a0"
    }
  ]
}