{
  "tool_id": "art-232-compute-scra-rate-cap",
  "note": "Vectors from 50 USC §3937 SCRA. Known constants: 6% rate cap; excess FORGIVEN not deferred per §3937(a)(2). golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "rate_8pct_200_delta_forgiven",
      "description": "Pre-service loan 8% 12mo $10k: excess 2pp over 6% cap = $200 forgiven per 50 USC §3937(a)(2). Known: 6% SCRA cap.",
      "policy_parameters": {
        "original_rate_pct": 8,
        "loan_balance": 10000,
        "covered_months": 12,
        "is_pre_service_obligation": true,
        "servicemember_notified": true
      },
      "output_payload": {
        "original_rate_pct": 8,
        "capped_rate_pct": 6,
        "effective_rate_pct": 6,
        "excess_rate_pct": 2,
        "exceeds_cap": true,
        "excess_forgiven": true,
        "total_interest_at_original_rate": 800,
        "total_interest_at_cap": 600,
        "interest_delta_forgiven": 200,
        "retroactive_credit": 200,
        "covered_months": 12,
        "loan_balance": 10000,
        "is_pre_service_obligation": true,
        "servicemember_notified": true,
        "scra_note": "Per 50 USC §3937(a)(2), excess interest above 6% must be forgiven -- creditor may not collect deferred excess after active duty ends. This is not a deferral.",
        "regulatory_basis": "50 USC §3937 (SCRA); formerly Soldiers and Sailors Civil Relief Act 50 USC §527; DoD Financial Management Regulation 7000.14-R Vol 7A Chapter 40",
        "table_version": "SCRA-50USC3937-2024",
        "table_source": "50 USC §3937 (SCRA codified 2003, Pub. L. 108-189 Dec 19 2003); 50 USC §3937(a)(1) 6% annual rate cap; 50 USC §3937(a)(2) excess forgiven not deferred; 50 USC §3937(d) 180-day notice requirement",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "7c36a48eba24fe52ddac075aec1fa5888d8bea347a268f28f283286c889c3a27"
    },
    {
      "name": "rate_4pct_within_cap_no_excess",
      "description": "Pre-service loan 4% 6mo $20k: below 6% cap -- no violation, zero excess, zero delta.",
      "policy_parameters": {
        "original_rate_pct": 4,
        "loan_balance": 20000,
        "covered_months": 6,
        "is_pre_service_obligation": true,
        "servicemember_notified": true
      },
      "output_payload": {
        "original_rate_pct": 4,
        "capped_rate_pct": 6,
        "effective_rate_pct": 4,
        "excess_rate_pct": 0,
        "exceeds_cap": false,
        "excess_forgiven": true,
        "total_interest_at_original_rate": 400,
        "total_interest_at_cap": 600,
        "interest_delta_forgiven": -200,
        "retroactive_credit": 0,
        "covered_months": 6,
        "loan_balance": 20000,
        "is_pre_service_obligation": true,
        "servicemember_notified": true,
        "scra_note": "Per 50 USC §3937(a)(2), excess interest above 6% must be forgiven -- creditor may not collect deferred excess after active duty ends. This is not a deferral.",
        "regulatory_basis": "50 USC §3937 (SCRA); formerly Soldiers and Sailors Civil Relief Act 50 USC §527; DoD Financial Management Regulation 7000.14-R Vol 7A Chapter 40",
        "table_version": "SCRA-50USC3937-2024",
        "table_source": "50 USC §3937 (SCRA codified 2003, Pub. L. 108-189 Dec 19 2003); 50 USC §3937(a)(1) 6% annual rate cap; 50 USC §3937(a)(2) excess forgiven not deferred; 50 USC §3937(d) 180-day notice requirement",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "d0a359043c812cc5d7f3f72b6319d26ee87816ddc64803925cf2d5d1b4bc1148"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty inputs return finite zero-state (rate 0%, no violation).",
      "policy_parameters": {},
      "output_payload": {
        "original_rate_pct": 0,
        "capped_rate_pct": 6,
        "excess_rate_pct": 0,
        "exceeds_cap": false,
        "excess_forgiven": true,
        "total_interest_at_original_rate": 0,
        "total_interest_at_cap": 0,
        "interest_delta_forgiven": 0,
        "retroactive_credit": 0,
        "covered_months": 0,
        "loan_balance": 0,
        "is_pre_service_obligation": true,
        "servicemember_notified": false,
        "regulatory_basis": "50 USC §3937 (SCRA); formerly Soldiers and Sailors Civil Relief Act 50 USC §527; DoD Financial Management Regulation 7000.14-R Vol 7A Chapter 40",
        "table_version": "SCRA-50USC3937-2024",
        "table_source": "50 USC §3937 (SCRA, codified 2003); 50 USC §3937(a)(1) 6% rate cap; 50 USC §3937(a)(2) excess forgiven not deferred; Pub. L. 108-189 §108-189 (Dec 19, 2003)",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "c97e7d3844f5ff8bd98a050a2d7bf0a581e6fab6d08b5e96c2c9cd9b480ac84f"
    }
  ]
}