{
  "tool_id": "art-268-compute-cdd-ownership-25pct",
  "note": "FinCEN CDD Rule 31 CFR 1010.230: 25% threshold for bank KYB beneficial-owner determination. NOT CTA/BOI. ZERO PII: synthetic entity graphs only.",
  "vectors": [
    {
      "name": "exactly_25pct_beneficial_owner",
      "description": "NP_ALPHA holds exactly 25% of EntityABC: meets FinCEN CDD Rule 25% threshold, is_beneficial_owner=true (gate branch: default -> art-269).",
      "policy_parameters": {
        "ownership_tiers": [
          {
            "entity_id": "EntityABC",
            "parent_id": "NP_ALPHA",
            "ownership_pct": 25
          }
        ],
        "natural_persons": [
          "NP_ALPHA"
        ],
        "target_entity_id": "EntityABC"
      },
      "output_payload": {
        "is_beneficial_owner": true,
        "threshold_pct": 25,
        "beneficial_owner_count": 1,
        "beneficial_owners": [
          {
            "entity_id": "EntityABC",
            "natural_person_id": "NP_ALPHA",
            "indirect_ownership_pct": 25,
            "direct": true
          }
        ],
        "below_threshold_count": 0,
        "below_threshold": [],
        "entities_evaluated": 1,
        "methodology": "FinCEN CDD Rule 31 CFR 1010.230: indirect ownership multiplication through tiers; sum of fractional stakes >= 25% = beneficial owner determination for legal-entity KYB customer due diligence",
        "regime_note": "FinCEN CDD Rule bank KYB (31 CFR 1010.230) -- NOT CTA/BOI. Domestic CTA beneficial-ownership reporting removed by FinCEN IFR Mar-2025 (final rule); CTA now applies to foreign-reporting-companies only. This kernel is the 25% bank KYB threshold for legal-entity customer CDD -- distinct from aggregate_ownership_50pct (OFAC/BIS Affiliates Rule 50% sanctions ownership aggregation, different threshold and regime).",
        "table_version": "FINCEN-CDD-RULE-31CFR1010.230-2024",
        "table_source": "FinCEN CDD Rule 31 CFR 1010.230 (May 2018, effective Jul 2018): 25% beneficial-ownership threshold for legal-entity customers. FinCEN IFR Mar-2025 narrowing CTA to foreign-reporting-companies. FFIEC BSA/AML Examination Procedures 2024. ZERO PII: synthetic entity graphs only.",
        "regulatory_basis": "FinCEN CDD Rule 31 CFR 1010.230: covered financial institutions must identify beneficial owners of legal entity customers (25% threshold for equity owners). Ownership multiplication through tiers: indirect ownership stake = product of fractional ownership pcts along ownership chain. ZERO PII.",
        "pii_note": "ZERO PII: synthetic entity identifiers and ownership percentages only. No actual beneficial-owner name, SSN, EIN, address, or personal data enters this kernel. Use FINCEN system or your KYB provider for live beneficial-owner verification.",
        "not_legal_advice": "Not legal or compliance advice. FinCEN CDD Rule determinations must be made by qualified BSA officers in conjunction with your institution's CDD program policies and procedures."
      },
      "golden_hash": "8fee4fe4119daf28f5ebc2980e811561d795a022e72d9ba5ddd5ded35dce1fcb"
    },
    {
      "name": "below_threshold_24pct",
      "description": "NP_BETA holds 24% of EntityDEF: below FinCEN CDD Rule 25% threshold, is_beneficial_owner=false (gate branch: false -> END).",
      "policy_parameters": {
        "ownership_tiers": [
          {
            "entity_id": "EntityDEF",
            "parent_id": "NP_BETA",
            "ownership_pct": 24
          }
        ],
        "natural_persons": [
          "NP_BETA"
        ],
        "target_entity_id": "EntityDEF"
      },
      "output_payload": {
        "is_beneficial_owner": false,
        "threshold_pct": 25,
        "beneficial_owner_count": 0,
        "beneficial_owners": [],
        "below_threshold_count": 1,
        "below_threshold": [
          {
            "entity_id": "EntityDEF",
            "natural_person_id": "NP_BETA",
            "indirect_ownership_pct": 24
          }
        ],
        "entities_evaluated": 1,
        "methodology": "FinCEN CDD Rule 31 CFR 1010.230: indirect ownership multiplication through tiers; sum of fractional stakes >= 25% = beneficial owner determination for legal-entity KYB customer due diligence",
        "regime_note": "FinCEN CDD Rule bank KYB (31 CFR 1010.230) -- NOT CTA/BOI. Domestic CTA beneficial-ownership reporting removed by FinCEN IFR Mar-2025 (final rule); CTA now applies to foreign-reporting-companies only. This kernel is the 25% bank KYB threshold for legal-entity customer CDD -- distinct from aggregate_ownership_50pct (OFAC/BIS Affiliates Rule 50% sanctions ownership aggregation, different threshold and regime).",
        "table_version": "FINCEN-CDD-RULE-31CFR1010.230-2024",
        "table_source": "FinCEN CDD Rule 31 CFR 1010.230 (May 2018, effective Jul 2018): 25% beneficial-ownership threshold for legal-entity customers. FinCEN IFR Mar-2025 narrowing CTA to foreign-reporting-companies. FFIEC BSA/AML Examination Procedures 2024. ZERO PII: synthetic entity graphs only.",
        "regulatory_basis": "FinCEN CDD Rule 31 CFR 1010.230: covered financial institutions must identify beneficial owners of legal entity customers (25% threshold for equity owners). Ownership multiplication through tiers: indirect ownership stake = product of fractional ownership pcts along ownership chain. ZERO PII.",
        "pii_note": "ZERO PII: synthetic entity identifiers and ownership percentages only. No actual beneficial-owner name, SSN, EIN, address, or personal data enters this kernel. Use FINCEN system or your KYB provider for live beneficial-owner verification.",
        "not_legal_advice": "Not legal or compliance advice. FinCEN CDD Rule determinations must be made by qualified BSA officers in conjunction with your institution's CDD program policies and procedures."
      },
      "golden_hash": "94460a15930a38cd47a6ae7d6520e4c94acbf4dbd50f79aac991de31fb66b446"
    }
  ]
}