{
  "tool_id": "art-233-check-card-act-ability-to-pay",
  "note": "Vectors from CARD Act §109, 12 CFR §1026.51 + §1026.52(b). Known constants: $32 first-violation safe harbor, $43 subsequent (2024 index). golden_hash empty until golden-parity --update.",
  "vectors": [
    {
      "name": "under21_no_income_requires_cosigner",
      "description": "Age 19, zero income/assets, no cosigner: REQUIRES_COSIGNER_UNDER_21 per 12 CFR §1026.51(a)(2). Under-21 must independently qualify or have cosigner.",
      "policy_parameters": {
        "applicant_age": 19,
        "annual_income": 0,
        "total_assets": 0,
        "requested_credit_limit": 1000,
        "has_cosigner": false,
        "method": "income_assets"
      },
      "output_payload": {
        "ability_to_pay_result": "REQUIRES_COSIGNER_UNDER_21",
        "under_21_restriction": true,
        "requires_cosigner": true,
        "has_cosigner": false,
        "method_used": "income_assets",
        "annual_income": 0,
        "total_assets": 0,
        "income_and_assets": 0,
        "monthly_income": 0,
        "requested_credit_limit": 1000,
        "monthly_minimum_payment_est": 20,
        "annual_minimum_payments_est": 240,
        "method_a_sufficient": false,
        "monthly_housing_payment": 0,
        "monthly_debt_obligations": 0,
        "total_monthly_obligations": 20,
        "dti_ratio": 999,
        "dti_threshold": 0.45,
        "method_b_sufficient": false,
        "penalty_fee_safe_harbor": {
          "first_violation": 32,
          "subsequent_within_6_cycles": 43,
          "table_version": "2024-01-01",
          "rule_note": "CFPB $8 late-fee rule vacated Jan 2025; safe harbor reverts to 2024 CFPB CPI index values per 12 CFR §1026.52(b)(1)(ii)"
        },
        "regulatory_basis": "15 USC §1665e (CARD Act §109); 12 CFR §1026.51 (ability to pay); 12 CFR §1026.51(a)(2) (under-21); 12 CFR §1026.52(b) (penalty fee safe harbor)",
        "table_version": "CARD-ACT-REG-Z-1026-51-52-2024",
        "table_source": "CARD Act of 2009 Pub. L. 111-24 §109; 12 CFR §1026.51 (effective Aug 22 2010); 12 CFR §1026.52(b)(1)(ii)(A) $32 first-violation safe harbor (2024); 12 CFR §1026.52(b)(1)(ii)(B) $43 subsequent safe harbor (2024); CFPB CPI adjustment 2024-01-01",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "3acd1b8a29a550142a56128e1ec3fed136c877ad2a7dd9e196ef3d952181581c"
    },
    {
      "name": "adult_sufficient_income_safe_harbor_32",
      "description": "Age 35, $60k income, $10k assets: SUFFICIENT. Safe-harbor penalty fee $32 first violation per 12 CFR §1026.52(b)(1)(ii)(A). Known: $32/$43.",
      "policy_parameters": {
        "applicant_age": 35,
        "annual_income": 60000,
        "total_assets": 10000,
        "monthly_housing_payment": 1200,
        "monthly_debt_obligations": 300,
        "requested_credit_limit": 5000,
        "method": "income_assets",
        "minimum_payment_pct": 0.02
      },
      "output_payload": {
        "ability_to_pay_result": "SUFFICIENT",
        "under_21_restriction": false,
        "requires_cosigner": false,
        "has_cosigner": false,
        "method_used": "income_assets",
        "annual_income": 60000,
        "total_assets": 10000,
        "income_and_assets": 70000,
        "monthly_income": 5000,
        "requested_credit_limit": 5000,
        "monthly_minimum_payment_est": 100,
        "annual_minimum_payments_est": 1200,
        "method_a_sufficient": true,
        "monthly_housing_payment": 1200,
        "monthly_debt_obligations": 300,
        "total_monthly_obligations": 1600,
        "dti_ratio": 0.32,
        "dti_threshold": 0.45,
        "method_b_sufficient": true,
        "penalty_fee_safe_harbor": {
          "first_violation": 32,
          "subsequent_within_6_cycles": 43,
          "table_version": "2024-01-01",
          "rule_note": "CFPB $8 late-fee rule vacated Jan 2025; safe harbor reverts to 2024 CFPB CPI index values per 12 CFR §1026.52(b)(1)(ii)"
        },
        "regulatory_basis": "15 USC §1665e (CARD Act §109); 12 CFR §1026.51 (ability to pay); 12 CFR §1026.51(a)(2) (under-21); 12 CFR §1026.52(b) (penalty fee safe harbor)",
        "table_version": "CARD-ACT-REG-Z-1026-51-52-2024",
        "table_source": "CARD Act of 2009 Pub. L. 111-24 §109; 12 CFR §1026.51 (effective Aug 22 2010); 12 CFR §1026.52(b)(1)(ii)(A) $32 first-violation safe harbor (2024); 12 CFR §1026.52(b)(1)(ii)(B) $43 subsequent safe harbor (2024); CFPB CPI adjustment 2024-01-01",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "3f7f070ba30fdfb276d286af88396f16d74b0a4caf2ad91ae5deac350cf8dbae"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty inputs return finite zero-state (INSUFFICIENT_DATA, safe-harbor constants present in output).",
      "policy_parameters": {},
      "output_payload": {
        "ability_to_pay_result": "INSUFFICIENT",
        "under_21_restriction": false,
        "requires_cosigner": false,
        "has_cosigner": false,
        "method_used": "income_assets",
        "annual_income": 0,
        "total_assets": 0,
        "income_and_assets": 0,
        "monthly_income": 0,
        "requested_credit_limit": 500,
        "monthly_minimum_payment_est": 10,
        "annual_minimum_payments_est": 120,
        "method_a_sufficient": false,
        "monthly_housing_payment": 0,
        "monthly_debt_obligations": 0,
        "total_monthly_obligations": 10,
        "dti_ratio": 999,
        "dti_threshold": 0.45,
        "method_b_sufficient": false,
        "penalty_fee_safe_harbor": {
          "first_violation": 32,
          "subsequent_within_6_cycles": 43,
          "table_version": "2024-01-01",
          "rule_note": "CFPB $8 late-fee rule vacated Jan 2025; safe harbor reverts to 2024 CFPB CPI index values per 12 CFR §1026.52(b)(1)(ii)"
        },
        "regulatory_basis": "15 USC §1665e (CARD Act §109); 12 CFR §1026.51 (ability to pay); 12 CFR §1026.51(a)(2) (under-21); 12 CFR §1026.52(b) (penalty fee safe harbor)",
        "table_version": "CARD-ACT-REG-Z-1026-51-52-2024",
        "table_source": "CARD Act of 2009 Pub. L. 111-24 §109; 12 CFR §1026.51 (effective Aug 22 2010); 12 CFR §1026.52(b)(1)(ii)(A) $32 first-violation safe harbor (2024); 12 CFR §1026.52(b)(1)(ii)(B) $43 subsequent safe harbor (2024); CFPB CPI adjustment 2024-01-01",
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted."
      },
      "golden_hash": "7337ca465ce231aab96305bee57207793e8a0d59267b9c1655847bcebdf1185a"
    }
  ]
}