{ "tool_id": "art-235-test-hpml-escrow", "note": "HPML §1026.35(a) definition + §1026.35(b) escrow requirement. Known constants: HPML = APOR+1.5pp (first-lien standard), APOR+2.5pp (jumbo first-lien), APOR+3.5pp (subordinate lien) per §1026.35(a)(1); Dodd-Frank structural thresholds, unchanged since 2014. Escrow required for first-lien HPML (§1026.35(b)(1)); NOT for subordinate lien. Rural/underserved small-creditor exemption: §1026.35(b)(2)(iii). golden_hash empty until golden-parity --update.", "vectors": [ { "name": "hpml_first_lien_escrow_required", "description": "First-lien standard loan: APR 7.5%, APOR 5.5% => spread 2pp > 1.5pp HPML threshold. HPML=true, escrow required. Known constant: APOR+1.5pp first-lien per §1026.35(a)(1)(i)(A).", "policy_parameters": { "apr_pct": 7.5, "apor_pct": 5.5, "lien_type": "first", "is_jumbo": false, "is_rural_or_underserved": false, "creditor_assets_under_2b": false, "loan_count_under_500": false, "property_is_condo_master_policy": false, "year": 2026 }, "output_payload": { "is_hpml": true, "escrow_required": true, "escrow_exemption": null, "escrow_exemption_basis": null, "apr_spread_pct": 2, "apr_pct": 7.5, "apor_pct": 5.5, "lien_type": "first", "is_jumbo": false, "spread_threshold_pct": 1.5, "spread_threshold_basis": "first_lien_standard_1.5pp", "year": 2026, "table_version": "HPML-REGZ-2026-01-01", "fr_citation": "Reg Z §1026.35(a)(1); Dodd-Frank Act; Reg Z §1026.35 Final Rule (FR 2013-01730, eff. Jan 10, 2014). Structural thresholds unchanged since 2014.", "regulatory_basis": "Reg Z §1026.35(a)(1) HPML definition; §1026.35(b)(1) escrow requirement (first-lien HPML, minimum 5 years); §1026.35(b)(2) rural/underserved small creditor and condo master-policy exemptions.", "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HPML threshold table (table: hpml). HPML spread thresholds (1.5/2.5/3.5 pp) are structural Dodd-Frank values, not CPI-adjusted.", "note": "HPML escrow applies to first-lien transactions only; subordinate liens are not subject to §1026.35(b) escrow. For HOEPA high-cost test (APOR+6.5pp/8.5pp): use art-234 (test_hoepa_high_cost). APOR must be supplied by caller from FFIEC weekly table (ffiec.gov/ratespread)." }, "compliance_flags": [ "HPML_LOAN", "HPML_ESCROW_REQUIRED" ], "golden_hash": "7e904605c6175cbf748028e1abe3503d62276c017ffeb5a0349930bec4626dc9" }, { "name": "hpml_rural_small_creditor_exempt", "description": "First-lien HPML (spread 2pp > 1.5pp threshold) but rural or underserved area + creditor assets <$2B + <=500 prior-year HPMLs. Escrow exemption applies per §1026.35(b)(2)(iii).", "policy_parameters": { "apr_pct": 7.5, "apor_pct": 5.5, "lien_type": "first", "is_jumbo": false, "is_rural_or_underserved": true, "creditor_assets_under_2b": true, "loan_count_under_500": true, "property_is_condo_master_policy": false, "year": 2026 }, "output_payload": { "is_hpml": true, "escrow_required": false, "escrow_exemption": "rural_or_underserved_small_creditor", "escrow_exemption_basis": "§1026.35(b)(2)(iii): rural or underserved area + creditor assets < $2B + <= 500 first-lien HPMLs originated in prior year", "apr_spread_pct": 2, "apr_pct": 7.5, "apor_pct": 5.5, "lien_type": "first", "is_jumbo": false, "spread_threshold_pct": 1.5, "spread_threshold_basis": "first_lien_standard_1.5pp", "year": 2026, "table_version": "HPML-REGZ-2026-01-01", "fr_citation": "Reg Z §1026.35(a)(1); Dodd-Frank Act; Reg Z §1026.35 Final Rule (FR 2013-01730, eff. Jan 10, 2014). Structural thresholds unchanged since 2014.", "regulatory_basis": "Reg Z §1026.35(a)(1) HPML definition; §1026.35(b)(1) escrow requirement (first-lien HPML, minimum 5 years); §1026.35(b)(2) rural/underserved small creditor and condo master-policy exemptions.", "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HPML threshold table (table: hpml). HPML spread thresholds (1.5/2.5/3.5 pp) are structural Dodd-Frank values, not CPI-adjusted.", "note": "HPML escrow applies to first-lien transactions only; subordinate liens are not subject to §1026.35(b) escrow. For HOEPA high-cost test (APOR+6.5pp/8.5pp): use art-234 (test_hoepa_high_cost). APOR must be supplied by caller from FFIEC weekly table (ffiec.gov/ratespread)." }, "compliance_flags": [ "HPML_LOAN", "HPML_ESCROW_EXEMPTION_APPLIES" ], "golden_hash": "41cd81335dd3de951e8218ab6bae3a2e575f24eabee1ac540c5ab7b3e520d13d" }, { "name": "empty_input_finite", "description": "Empty inputs: spread 0pp < 1.5pp HPML threshold. is_hpml=false, escrow_required=false. Verifies empty-input finite invariant.", "policy_parameters": {}, "output_payload": { "is_hpml": false, "escrow_required": false, "escrow_exemption": null, "escrow_exemption_basis": null, "apr_spread_pct": 0, "apr_pct": 0, "apor_pct": 0, "lien_type": "first", "is_jumbo": false, "spread_threshold_pct": 1.5, "spread_threshold_basis": "first_lien_standard_1.5pp", "year": 2026, "table_version": "HPML-REGZ-2026-01-01", "fr_citation": "Reg Z §1026.35(a)(1); Dodd-Frank Act; Reg Z §1026.35 Final Rule (FR 2013-01730, eff. Jan 10, 2014). Structural thresholds unchanged since 2014.", "regulatory_basis": "Reg Z §1026.35(a)(1) HPML definition; §1026.35(b)(1) escrow requirement (first-lien HPML, minimum 5 years); §1026.35(b)(2) rural/underserved small creditor and condo master-policy exemptions.", "consumes": "art-220 (lookup_reg_z_thresholds) supplies the HPML threshold table (table: hpml). HPML spread thresholds (1.5/2.5/3.5 pp) are structural Dodd-Frank values, not CPI-adjusted.", "note": "HPML escrow applies to first-lien transactions only; subordinate liens are not subject to §1026.35(b) escrow. For HOEPA high-cost test (APOR+6.5pp/8.5pp): use art-234 (test_hoepa_high_cost). APOR must be supplied by caller from FFIEC weekly table (ffiec.gov/ratespread)." }, "compliance_flags": [], "golden_hash": "59fe59445e34ceca44bd623470993267354d1ed5ec3e674a0213db1236f80e0d" } ] }