{
  "tool_id": "art-248-compute-remittance-disclosure",
  "note": "Reg E subpart B (12 CFR 1005.31/1005.32) disclosure arithmetic. Vector 1: US-MX $1000 exact disclosure (known-vector assert: amount-received identity). Vector 2: estimate_permissible=true (§1005.32 path). Vector 3: empty-input finite.",
  "vectors": [
    {
      "name": "felix_us_mx_exact_disclosure",
      "description": "Felix-pattern $1000 US->MX transfer: $2.99 flat fee, exchange rate 17.15 MXN/USD. Known-vector assert: amount_received = (1000 - 2.99) * 17.15 = 17,098.72 MXN. Exact disclosure required (standard remittance transfer, §1005.32 does not apply). Checks accounting identity.",
      "policy_parameters": {
        "send_amount": 1000,
        "exchange_rate": 17.15,
        "provider_fee": 2.99,
        "third_party_fees": 0,
        "taxes": 0,
        "destination_currency": "MXN",
        "destination_country": "MX",
        "estimate_permissible": false
      },
      "output_payload": {
        "transfer_amount_usd": 997.01,
        "exchange_rate_disclosed": 17.15,
        "amount_received_dest": 17098.72,
        "destination_currency": "MXN",
        "destination_country": "MX",
        "fees": {
          "provider_fee": 2.99,
          "third_party_fees": 0,
          "taxes": 0,
          "total_fees_usd": 2.99
        },
        "total_to_sender_usd": 1000,
        "disclosure_type": "EXACT",
        "estimate_permissible": false,
        "required_fields_complete": true,
        "accounting_identity_ok": true,
        "accounting_identity_delta": 0,
        "table_version": "REG-E-SUBPART-B-12CFR1005.31-2024",
        "table_source": "12 CFR §1005.31 (CFPB, effective 2013, current 2024 ed.); 12 CFR §1005.32 estimate conditions",
        "regulatory_basis": "12 CFR §1005.31 (Reg E subpart B, CFPB) required disclosure field set; 12 CFR §1005.32 estimate permissibility conditions",
        "pii_note": "ZERO PII: amounts, rates, fees, taxes only. No sender, recipient, or account data enters this kernel.",
        "anchor_surface": "anchor.ainumbers.co/mcp -- anchor execution_hash pre-transfer to create a tamper-evident disclosure receipt for CFPB exam and error-resolution disputes (12 CFR §1005.33)"
      },
      "golden_hash": "d373c0089c29e61f7164d659923f4c5042a8438ad1b1c16867bcf6585fd79f6c"
    },
    {
      "name": "estimate_permissible_true",
      "description": "$200 US->MX transfer with estimate_permissible=true (§1005.32 applies). Provider fee $3.00 + $0.50 third-party fee. disclosure_type must be ESTIMATED. Covers the gated chain §1005.32 branch.",
      "policy_parameters": {
        "send_amount": 200,
        "exchange_rate": 17.2,
        "provider_fee": 3,
        "third_party_fees": 0.5,
        "taxes": 0,
        "destination_currency": "MXN",
        "destination_country": "MX",
        "estimate_permissible": true
      },
      "output_payload": {
        "transfer_amount_usd": 196.5,
        "exchange_rate_disclosed": 17.2,
        "amount_received_dest": 3379.8,
        "destination_currency": "MXN",
        "destination_country": "MX",
        "fees": {
          "provider_fee": 3,
          "third_party_fees": 0.5,
          "taxes": 0,
          "total_fees_usd": 3.5
        },
        "total_to_sender_usd": 200,
        "disclosure_type": "ESTIMATED",
        "estimate_permissible": true,
        "required_fields_complete": true,
        "accounting_identity_ok": true,
        "accounting_identity_delta": 0,
        "table_version": "REG-E-SUBPART-B-12CFR1005.31-2024",
        "table_source": "12 CFR §1005.31 (CFPB, effective 2013, current 2024 ed.); 12 CFR §1005.32 estimate conditions",
        "regulatory_basis": "12 CFR §1005.31 (Reg E subpart B, CFPB) required disclosure field set; 12 CFR §1005.32 estimate permissibility conditions",
        "pii_note": "ZERO PII: amounts, rates, fees, taxes only. No sender, recipient, or account data enters this kernel.",
        "anchor_surface": "anchor.ainumbers.co/mcp -- anchor execution_hash pre-transfer to create a tamper-evident disclosure receipt for CFPB exam and error-resolution disputes (12 CFR §1005.33)"
      },
      "golden_hash": "ae90082663808e208d82fe29830c58e3045a01838f93bc86ed60e765a3a0df37"
    },
    {
      "name": "empty_input_finite",
      "description": "Empty input -- all fields absent. Verifies no NaN/Infinity in output (kernel finite gate). required_fields_complete must be false.",
      "policy_parameters": {},
      "output_payload": {
        "transfer_amount_usd": 0,
        "exchange_rate_disclosed": 1,
        "amount_received_dest": 0,
        "destination_currency": "MXN",
        "destination_country": "MX",
        "fees": {
          "provider_fee": 0,
          "third_party_fees": 0,
          "taxes": 0,
          "total_fees_usd": 0
        },
        "total_to_sender_usd": 0,
        "disclosure_type": "EXACT",
        "estimate_permissible": false,
        "required_fields_complete": false,
        "accounting_identity_ok": true,
        "accounting_identity_delta": 0,
        "table_version": "REG-E-SUBPART-B-12CFR1005.31-2024",
        "table_source": "12 CFR §1005.31 (CFPB, effective 2013, current 2024 ed.); 12 CFR §1005.32 estimate conditions",
        "regulatory_basis": "12 CFR §1005.31 (Reg E subpart B, CFPB) required disclosure field set; 12 CFR §1005.32 estimate permissibility conditions",
        "pii_note": "ZERO PII: amounts, rates, fees, taxes only. No sender, recipient, or account data enters this kernel.",
        "anchor_surface": "anchor.ainumbers.co/mcp -- anchor execution_hash pre-transfer to create a tamper-evident disclosure receipt for CFPB exam and error-resolution disputes (12 CFR §1005.33)"
      },
      "golden_hash": "917d003723bc4a42231ccf985d1e10cbb8e3c78c546fe18e306e21af500bb117"
    }
  ]
}