{ "tool_id": "art-234-test-hoepa-high-cost", "note": "HOEPA §1026.32(a)(1) three-trigger test. Known constants: APR trigger = APOR+6.5pp (first lien standard), APOR+8.5pp (subordinate or dwelling <$50k); points-and-fees = 5% of loan / $1,380 floor (2026, FR 2025-22773); PP trigger: >36 months or >2% of prepaid amount. golden_hash empty until golden-parity --update.", "vectors": [ { "name": "hoepa_apr_trigger_first_lien", "description": "First-lien loan: APR 12.5%, APOR 5.5% => spread 7pp > 6.5pp first-lien threshold. APR trigger fires. Known constant: APOR+6.5pp for first-lien per §1026.32(a)(1)(i)(A).", "policy_parameters": { "apr_pct": 12.5, "apor_pct": 5.5, "lien_type": "first", "is_small_dwelling": false, "loan_amount": 400000, "points_and_fees": 5000, "has_prepayment_penalty": false, "prepayment_penalty_period_months": 0, "prepayment_penalty_pct": 0, "year": 2026 }, "output_payload": { "is_high_cost": true, "triggers_fired": [ "apr_trigger" ], "apr_trigger_met": true, "points_fees_trigger_met": false, "prepayment_penalty_trigger_met": false, "apr_spread_pct": 7, "apr_pct": 12.5, "apor_pct": 5.5, "apr_threshold_pct": 6.5, "apr_threshold_basis": "first_lien_standard_6.5pp", "lien_type": "first", "is_small_dwelling": false, "loan_amount": 400000, "points_and_fees": 5000, "points_fees_limit": 20000, "points_fees_limit_pct": 5, "points_fees_floor": 1380, "has_prepayment_penalty": false, "prepayment_penalty_period_months": 0, "prepayment_penalty_pct": 0, "pp_period_limit_months": 36, "pp_pct_limit": 2, "year": 2026, "table_version": "HOEPA-REGZ-2026-01-01", "fr_citation": "FR 2025-22773, effective 2026-01-01; 12 CFR §1026.32(a)(1)(ii)", "regulatory_basis": "12 CFR §1026.32(a)(1) HOEPA high-cost mortgage trigger test. APR trigger: §1026.32(a)(1)(i). Points-and-fees trigger: §1026.32(a)(1)(ii). Prepayment penalty trigger: §1026.32(a)(1)(iii).", "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HOEPA threshold table (table: hoepa). This node pins the same values for local deterministic compute.", "note": "HOEPA restrictions apply if ANY trigger is met. APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). For HPML escrow requirement: use art-235 (test_hpml_escrow)." }, "compliance_flags": [ "HOEPA_HIGH_COST_MORTGAGE", "HOEPA_APR_TRIGGER" ], "golden_hash": "eba8aaa043e01cb3df6f64a680189cedbda3422a5291e38d7fe01e960476af5b" }, { "name": "hoepa_points_fees_trigger", "description": "First-lien loan $400k, points-and-fees $25k: 5% limit = $20k. Points-and-fees exceed limit by $5k. Points-fees trigger fires; APR spread 2pp < 6.5pp (no APR trigger).", "policy_parameters": { "apr_pct": 7.5, "apor_pct": 5.5, "lien_type": "first", "is_small_dwelling": false, "loan_amount": 400000, "points_and_fees": 25000, "has_prepayment_penalty": false, "prepayment_penalty_period_months": 0, "prepayment_penalty_pct": 0, "year": 2026 }, "output_payload": { "is_high_cost": true, "triggers_fired": [ "points_fees_trigger" ], "apr_trigger_met": false, "points_fees_trigger_met": true, "prepayment_penalty_trigger_met": false, "apr_spread_pct": 2, "apr_pct": 7.5, "apor_pct": 5.5, "apr_threshold_pct": 6.5, "apr_threshold_basis": "first_lien_standard_6.5pp", "lien_type": "first", "is_small_dwelling": false, "loan_amount": 400000, "points_and_fees": 25000, "points_fees_limit": 20000, "points_fees_limit_pct": 5, "points_fees_floor": 1380, "has_prepayment_penalty": false, "prepayment_penalty_period_months": 0, "prepayment_penalty_pct": 0, "pp_period_limit_months": 36, "pp_pct_limit": 2, "year": 2026, "table_version": "HOEPA-REGZ-2026-01-01", "fr_citation": "FR 2025-22773, effective 2026-01-01; 12 CFR §1026.32(a)(1)(ii)", "regulatory_basis": "12 CFR §1026.32(a)(1) HOEPA high-cost mortgage trigger test. APR trigger: §1026.32(a)(1)(i). Points-and-fees trigger: §1026.32(a)(1)(ii). Prepayment penalty trigger: §1026.32(a)(1)(iii).", "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HOEPA threshold table (table: hoepa). This node pins the same values for local deterministic compute.", "note": "HOEPA restrictions apply if ANY trigger is met. APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). For HPML escrow requirement: use art-235 (test_hpml_escrow)." }, "compliance_flags": [ "HOEPA_HIGH_COST_MORTGAGE", "HOEPA_POINTS_FEES_TRIGGER" ], "golden_hash": "9ded648d9ae414a11f0d668be463e2bb52be3d7fc1aa95b13d59ee9e470d5171" }, { "name": "empty_input_finite", "description": "Empty inputs: all thresholds zero, no triggers fire, is_high_cost=false. Verifies empty-input finite invariant.", "policy_parameters": {}, "output_payload": { "is_high_cost": false, "triggers_fired": [], "apr_trigger_met": false, "points_fees_trigger_met": false, "prepayment_penalty_trigger_met": false, "apr_spread_pct": 0, "apr_pct": 0, "apor_pct": 0, "apr_threshold_pct": 6.5, "apr_threshold_basis": "first_lien_standard_6.5pp", "lien_type": "first", "is_small_dwelling": false, "loan_amount": 0, "points_and_fees": 0, "points_fees_limit": 1380, "points_fees_limit_pct": 5, "points_fees_floor": 1380, "has_prepayment_penalty": false, "prepayment_penalty_period_months": 0, "prepayment_penalty_pct": 0, "pp_period_limit_months": 36, "pp_pct_limit": 2, "year": 2026, "table_version": "HOEPA-REGZ-2026-01-01", "fr_citation": "FR 2025-22773, effective 2026-01-01; 12 CFR §1026.32(a)(1)(ii)", "regulatory_basis": "12 CFR §1026.32(a)(1) HOEPA high-cost mortgage trigger test. APR trigger: §1026.32(a)(1)(i). Points-and-fees trigger: §1026.32(a)(1)(ii). Prepayment penalty trigger: §1026.32(a)(1)(iii).", "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HOEPA threshold table (table: hoepa). This node pins the same values for local deterministic compute.", "note": "HOEPA restrictions apply if ANY trigger is met. APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). For HPML escrow requirement: use art-235 (test_hpml_escrow)." }, "compliance_flags": [], "golden_hash": "f2563ce93a638bb3c21fffe0f084cdeda878a6446759e0f87e61395362f2a0e1" } ] }