{ "tool_id": "art-507-determine-deposit-insurance-coverage", "note": "Vectors computed directly from the shipped kernel. They prove, in order: the ordinary insured and uninsured split by ownership right and capacity; that balances aggregate before an allowance is applied so splitting an account creates no coverage; that a pass-through allowance scales with the caller-supplied beneficiary count; that a repeated beneficiary set takes the largest stated allowance and never the sum; the undeterminable paths for a pass-through record without a beneficiary count, for alternative recordkeeping, for an exception flag, for malformed and negative balances, and for a missing ownership code or aggregation key, each naming its own missing field; that no supplied SMDIA means nothing is estimated; that the section 370.10 certification assertion is echoed and never verified; that covered status is never asserted; and the finite gate on empty input and on zero balances. All values are SYNTHETIC and the SMDIA used is a caller input, not a statutory fact.", "vectors": [ { "name": "single-ownership-fully-insured-and-uninsured-split", "description": "Two ownership right and capacity codes. One holder sits below the allowance and is fully insured; one holder aggregates two accounts above it and carries an uninsured remainder. This is the ordinary case the summary report is about.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0001", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "covered_institution_declared": true, "declared_deposit_account_count": 2400000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-A1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-1", "balance": 12500000 }, { "account_ref": "ACCT-A2", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-2", "balance": 20000000 }, { "account_ref": "ACCT-A3", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-2", "balance": 15000000 }, { "account_ref": "ACCT-B1", "ownership_right_and_capacity": "JNT", "insurance_aggregation_key": "HOLDER-3", "balance": 9000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0001", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": true, "declared_deposit_account_count": 2400000, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 2, "distinct_account_holder_count": 3, "deposit_accounts_supplied": 4, "deposit_accounts_determined": 4, "fully_insured_account_count": 2, "accounts_with_uninsured_deposits_count": 2, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 56500000, "insured_minor_units": 46500000, "uninsured_minor_units": 10000000, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 3, "distinct_account_holder_count": 2, "aggregated_balance_minor_units": 47500000, "insured_minor_units": 37500000, "uninsured_minor_units": 10000000, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 2, "undeterminable_account_count": 0 }, { "ownership_right_and_capacity": "JNT", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 9000000, "insured_minor_units": 9000000, "uninsured_minor_units": 0, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-1", "account_count": 1, "account_refs": [ "ACCT-A1" ], "aggregated_balance_minor_units": 12500000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 12500000, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": false }, { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-2", "account_count": 2, "account_refs": [ "ACCT-A2", "ACCT-A3" ], "aggregated_balance_minor_units": 35000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 25000000, "uninsured_minor_units": 10000000, "fully_insured": false, "pass_through_applied": false }, { "ownership_right_and_capacity": "JNT", "insurance_aggregation_key": "HOLDER-3", "account_count": 1, "account_refs": [ "ACCT-B1" ], "aggregated_balance_minor_units": 9000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 9000000, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": false } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0001 as of 2026-06-30, over 4 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "4 accounts across 3 aggregation groups and 2 ownership right and capacity codes were determined: 46500000 minor units insured and 10000000 uninsured against an aggregated balance of 56500000.", "2 accounts are fully insured and 2 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNINSURED_DEPOSITS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "a45a949c0b30785baafd6c706e72a9cd641f22b2bc5fdda3b95a93c1ec348836" }, { "name": "aggregation-before-allowance-not-per-account", "description": "One holder spreads a balance across three accounts in the same ownership right and capacity. Balances combine BEFORE the allowance is applied, so the group receives one allowance rather than three. Splitting an account never creates coverage.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0001", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-S1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-9", "balance": 20000000 }, { "account_ref": "ACCT-S2", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-9", "balance": 20000000 }, { "account_ref": "ACCT-S3", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-9", "balance": 20000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0001", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 3, "deposit_accounts_determined": 3, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 3, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 60000000, "insured_minor_units": 25000000, "uninsured_minor_units": 35000000, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 3, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 60000000, "insured_minor_units": 25000000, "uninsured_minor_units": 35000000, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 3, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-9", "account_count": 3, "account_refs": [ "ACCT-S1", "ACCT-S2", "ACCT-S3" ], "aggregated_balance_minor_units": 60000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 25000000, "uninsured_minor_units": 35000000, "fully_insured": false, "pass_through_applied": false } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0001 as of 2026-06-30, over 3 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "3 accounts across 1 aggregation group and 1 ownership right and capacity code were determined: 25000000 minor units insured and 35000000 uninsured against an aggregated balance of 60000000.", "0 accounts are fully insured and 3 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNINSURED_DEPOSITS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "6eda2cc5d65709f7b3892ee9bc1d68063937c101f24735db0a48a1239c75b45f" }, { "name": "pass-through-allowance-scales-with-beneficiary-count", "description": "A pass-through eligible account with five beneficial owners receives five allowances and is fully insured, while an otherwise identical balance held in a single capacity is not. The multiplier comes from the caller record, never from a rule table held here.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0002", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-PT1", "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-1", "balance": 100000000, "pass_through_eligible": true, "beneficiary_count": 5 }, { "account_ref": "ACCT-SG1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-4", "balance": 100000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0002", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 2, "distinct_account_holder_count": 2, "deposit_accounts_supplied": 2, "deposit_accounts_determined": 2, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 1, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 200000000, "insured_minor_units": 125000000, "uninsured_minor_units": 75000000, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "EBA", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 100000000, "insured_minor_units": 100000000, "uninsured_minor_units": 0, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0 }, { "ownership_right_and_capacity": "SGL", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 100000000, "insured_minor_units": 25000000, "uninsured_minor_units": 75000000, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 1, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-1", "account_count": 1, "account_refs": [ "ACCT-PT1" ], "aggregated_balance_minor_units": 100000000, "coverage_units": 5, "allowance_minor_units": 125000000, "insured_minor_units": 100000000, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": true }, { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-4", "account_count": 1, "account_refs": [ "ACCT-SG1" ], "aggregated_balance_minor_units": 100000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 25000000, "uninsured_minor_units": 75000000, "fully_insured": false, "pass_through_applied": false } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0002 as of 2026-06-30, over 2 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "2 accounts across 2 aggregation groups and 2 ownership right and capacity codes were determined: 125000000 minor units insured and 75000000 uninsured against an aggregated balance of 200000000.", "1 account is fully insured and 1 holds uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNINSURED_DEPOSITS_PRESENT", "FDIC370_PASS_THROUGH_COVERAGE_APPLIED", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "0c3fc45fe5af575562bb1f319d203c0d06be71a3c3532a6441bd4e21472cbfdd" }, { "name": "repeated-beneficiary-set-never-multiplies-the-allowance", "description": "The same beneficiary set is stated on three accounts in one group. The group takes the LARGEST stated allowance count, not the sum, so repeating a beneficiary set across accounts cannot manufacture coverage.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0002", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-R1", "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-2", "balance": 30000000, "pass_through_eligible": true, "beneficiary_count": 2 }, { "account_ref": "ACCT-R2", "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-2", "balance": 30000000, "pass_through_eligible": true, "beneficiary_count": 2 }, { "account_ref": "ACCT-R3", "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-2", "balance": 30000000, "pass_through_eligible": true, "beneficiary_count": 2 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0002", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 3, "deposit_accounts_determined": 3, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 3, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 90000000, "insured_minor_units": 50000000, "uninsured_minor_units": 40000000, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "EBA", "deposit_account_count": 3, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 90000000, "insured_minor_units": 50000000, "uninsured_minor_units": 40000000, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 3, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-2", "account_count": 3, "account_refs": [ "ACCT-R1", "ACCT-R2", "ACCT-R3" ], "aggregated_balance_minor_units": 90000000, "coverage_units": 2, "allowance_minor_units": 50000000, "insured_minor_units": 50000000, "uninsured_minor_units": 40000000, "fully_insured": false, "pass_through_applied": true } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0002 as of 2026-06-30, over 3 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "3 accounts across 1 aggregation group and 1 ownership right and capacity code were determined: 50000000 minor units insured and 40000000 uninsured against an aggregated balance of 90000000.", "0 accounts are fully insured and 3 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNINSURED_DEPOSITS_PRESENT", "FDIC370_PASS_THROUGH_COVERAGE_APPLIED", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "6bab720c4d5b5782791d32e966974fd461a0adc385d29c759c00edf0b0adfbef" }, { "name": "pass-through-without-beneficiary-count-is-undeterminable", "description": "A pass-through eligible record with no usable beneficiary count is undeterminable naming beneficiary_count. Pass-through coverage is never assumed for an unstated number of beneficiaries.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0002", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-PT2", "ownership_right_and_capacity": "EBA", "insurance_aggregation_key": "PLAN-3", "balance": 80000000, "pass_through_eligible": true } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0002", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 0, "distinct_account_holder_count": 0, "deposit_accounts_supplied": 1, "deposit_accounts_determined": 0, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 1, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [], "aggregation_groups": [], "undeterminable_records": [ { "account_ref": "ACCT-PT2", "ownership_right_and_capacity": "EBA", "missing_field": "beneficiary_count", "reason": "The record is flagged pass-through eligible, so its allowance depends on the number of beneficial owners, and no usable beneficiary count of one or more was supplied. Pass-through coverage is never assumed for an unstated number of beneficiaries.", "balance_minor_units": 80000000, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": true } ], "undeterminable_by_missing_field": [ { "missing_field": "beneficiary_count", "account_count": 1 } ], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0002 as of 2026-06-30, over 1 supplied deposit account record.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "0 accounts across 0 aggregation groups and 0 ownership right and capacity codes were determined: 0 minor units insured and 0 uninsured against an aggregated balance of 0.", "0 accounts are fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "1 account could not be calculated and is reported individually with the missing field named: beneficiary_count (1). Section 370.10 asks for exactly this population, so it is a reported result rather than an error.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNDETERMINABLE_RECORDS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "d99043d3a7332bfdbb2894ca0e293aaa7b2e3ca3f04a3934f83f576b1a517fef" }, { "name": "alternative-recordkeeping-is-undeterminable-by-construction", "description": "Under section 370.4 the beneficial ownership detail sits with a third party, so the institution system cannot calculate coverage from its own records. The account is reported as undeterminable naming the missing detail rather than estimated. This is the correct answer under the rule.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0003", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-ALT1", "ownership_right_and_capacity": "ALT", "insurance_aggregation_key": "AGENT-1", "balance": 500000000, "alternative_recordkeeping": true }, { "account_ref": "ACCT-OK1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-5", "balance": 10000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0003", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 2, "deposit_accounts_determined": 1, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 1, "aggregated_balance_minor_units": 10000000, "insured_minor_units": 10000000, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 10000000, "insured_minor_units": 10000000, "uninsured_minor_units": 0, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-5", "account_count": 1, "account_refs": [ "ACCT-OK1" ], "aggregated_balance_minor_units": 10000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 10000000, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": false } ], "undeterminable_records": [ { "account_ref": "ACCT-ALT1", "ownership_right_and_capacity": "ALT", "missing_field": "beneficial_ownership_detail_from_alternative_recordkeeping_entity", "reason": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "balance_minor_units": 500000000, "exception_flag": false, "alternative_recordkeeping": true, "pass_through_eligible": false } ], "undeterminable_by_missing_field": [ { "missing_field": "beneficial_ownership_detail_from_alternative_recordkeeping_entity", "account_count": 1 } ], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0003 as of 2026-06-30, over 2 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "1 account across 1 aggregation group and 1 ownership right and capacity code were determined: 10000000 minor units insured and 0 uninsured against an aggregated balance of 10000000.", "1 account is fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "1 account could not be calculated and is reported individually with the missing field named: beneficial_ownership_detail_from_alternative_recordkeeping_entity (1). Section 370.10 asks for exactly this population, so it is a reported result rather than an error.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNDETERMINABLE_RECORDS_PRESENT", "FDIC370_ALTERNATIVE_RECORDKEEPING_ACCOUNTS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "fc1548391be6ab65a450771cb55d06f32bce46dbd121dd4250094f1b447c7c95" }, { "name": "exception-flag-is-undeterminable-never-assumed-insured", "description": "An account flagged as an exception is undeterminable naming exception_resolution. An unsettled exception is never assumed to be fully insured, which is the direction the error would otherwise fall.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0003", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-EX1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-6", "balance": 40000000, "exception_flag": true } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0003", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 0, "distinct_account_holder_count": 0, "deposit_accounts_supplied": 1, "deposit_accounts_determined": 0, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 1, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [], "aggregation_groups": [], "undeterminable_records": [ { "account_ref": "ACCT-EX1", "ownership_right_and_capacity": "SGL", "missing_field": "exception_resolution", "reason": "The record is flagged as an exception, so the fields needed to calculate its coverage are not settled. An exception resolves to a stated coverage treatment or it remains undeterminable; it is never assumed to be fully insured.", "balance_minor_units": 40000000, "exception_flag": true, "alternative_recordkeeping": false, "pass_through_eligible": false } ], "undeterminable_by_missing_field": [ { "missing_field": "exception_resolution", "account_count": 1 } ], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0003 as of 2026-06-30, over 1 supplied deposit account record.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "0 accounts across 0 aggregation groups and 0 ownership right and capacity codes were determined: 0 minor units insured and 0 uninsured against an aggregated balance of 0.", "0 accounts are fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "1 account could not be calculated and is reported individually with the missing field named: exception_resolution (1). Section 370.10 asks for exactly this population, so it is a reported result rather than an error.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNDETERMINABLE_RECORDS_PRESENT", "FDIC370_EXCEPTION_ACCOUNTS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "9f1b69b8f5bc43ec091a13a17623456fa412f3c8577a83f17ecd8f9861dd2801" }, { "name": "malformed-and-negative-balances-are-reported-never-coerced", "description": "A fractional balance and a negative balance are each undeterminable naming balance. Money is fixed point, so nothing is rounded into a total and a negative is never netted against an uninsured figure.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0004", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-F1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-7", "balance": 1000.5 }, { "account_ref": "ACCT-F2", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-7", "balance": -5000 }, { "account_ref": "ACCT-F3", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-7", "balance": 30000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0004", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 3, "deposit_accounts_determined": 1, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 1, "undeterminable_account_count": 2, "aggregated_balance_minor_units": 30000000, "insured_minor_units": 25000000, "uninsured_minor_units": 5000000, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 30000000, "insured_minor_units": 25000000, "uninsured_minor_units": 5000000, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 1, "undeterminable_account_count": 2 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-7", "account_count": 1, "account_refs": [ "ACCT-F3" ], "aggregated_balance_minor_units": 30000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 25000000, "uninsured_minor_units": 5000000, "fully_insured": false, "pass_through_applied": false } ], "undeterminable_records": [ { "account_ref": "ACCT-F1", "ownership_right_and_capacity": "SGL", "missing_field": "balance", "reason": "The balance is absent or is not an integer number of minor units. Money is fixed point here and a malformed balance is never coerced or rounded, because a silently repaired figure produces a confident total that is wrong.", "balance_minor_units": null, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": false }, { "account_ref": "ACCT-F2", "ownership_right_and_capacity": "SGL", "missing_field": "balance", "reason": "The balance is negative. A negative deposit balance is not an insurable amount, so it is reported rather than netted into a total where it would quietly reduce the uninsured figure.", "balance_minor_units": -5000, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": false } ], "undeterminable_by_missing_field": [ { "missing_field": "balance", "account_count": 2 } ], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0004 as of 2026-06-30, over 3 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "1 account across 1 aggregation group and 1 ownership right and capacity code were determined: 25000000 minor units insured and 5000000 uninsured against an aggregated balance of 30000000.", "0 accounts are fully insured and 1 holds uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "2 accounts could not be calculated and are reported individually with the missing field named: balance (2). Section 370.10 asks for exactly this population, so it is a reported result rather than an error.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNDETERMINABLE_RECORDS_PRESENT", "FDIC370_UNINSURED_DEPOSITS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "db6ef86c521aa9f858de192b7ad036c970ab277863530745e5b8d427f56b9315" }, { "name": "missing-ownership-code-and-missing-aggregation-key-each-name-their-field", "description": "Two different structural gaps produce two different named missing fields. There is no bare judgment_required on this surface: a reader is told which field to go and get.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0004", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-M1", "insurance_aggregation_key": "HOLDER-8", "balance": 10000000 }, { "account_ref": "ACCT-M2", "ownership_right_and_capacity": "SGL", "balance": 10000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0004", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 0, "distinct_account_holder_count": 0, "deposit_accounts_supplied": 2, "deposit_accounts_determined": 0, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 2, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [], "aggregation_groups": [], "undeterminable_records": [ { "account_ref": "ACCT-M1", "ownership_right_and_capacity": null, "missing_field": "ownership_right_and_capacity", "reason": "The record names no ownership right and capacity code. Section 370.10 reports coverage by that code and insurance allowances attach to it, so coverage cannot be calculated without one.", "balance_minor_units": 10000000, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": false }, { "account_ref": "ACCT-M2", "ownership_right_and_capacity": "SGL", "missing_field": "insurance_aggregation_key", "reason": "The record names no aggregation group. Balances held in the same ownership right and capacity by the same holder combine before an allowance is applied, so an account that cannot be placed in a group cannot be given an insured amount.", "balance_minor_units": 10000000, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": false } ], "undeterminable_by_missing_field": [ { "missing_field": "ownership_right_and_capacity", "account_count": 1 }, { "missing_field": "insurance_aggregation_key", "account_count": 1 } ], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0004 as of 2026-06-30, over 2 supplied deposit account records.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "0 accounts across 0 aggregation groups and 0 ownership right and capacity codes were determined: 0 minor units insured and 0 uninsured against an aggregated balance of 0.", "0 accounts are fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "2 accounts could not be calculated and are reported individually with the missing field named: ownership_right_and_capacity (1), insurance_aggregation_key (1). Section 370.10 asks for exactly this population, so it is a reported result rather than an error.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_UNDETERMINABLE_RECORDS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "a4a595d9daec802882baf6553554ffafa4ce439972249a224e92808d9258bd40" }, { "name": "no-smdia-supplied-nothing-is-estimated", "description": "With no standard maximum deposit insurance amount supplied, every record is undeterminable naming smdia and the totals report zero insured. No statutory amount is held in this kernel, so no default can be substituted.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0005", "currency": "USD", "minor_unit_scale": 100, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-N1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-10", "balance": 10000000 }, { "account_ref": "ACCT-N2", "ownership_right_and_capacity": "JNT", "insurance_aggregation_key": "HOLDER-11", "balance": 90000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0005", "smdia_applied": null, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 0, "distinct_account_holder_count": 0, "deposit_accounts_supplied": 2, "deposit_accounts_determined": 0, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 2, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [], "aggregation_groups": [], "undeterminable_records": [ { "account_ref": "ACCT-N1", "ownership_right_and_capacity": "SGL", "missing_field": "smdia", "reason": "No standard maximum deposit insurance amount was supplied. No statutory amount is held in this kernel, so no insured amount can be calculated for any account and none is estimated.", "balance_minor_units": 10000000, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": false }, { "account_ref": "ACCT-N2", "ownership_right_and_capacity": "JNT", "missing_field": "smdia", "reason": "No standard maximum deposit insurance amount was supplied. No statutory amount is held in this kernel, so no insured amount can be calculated for any account and none is estimated.", "balance_minor_units": 90000000, "exception_flag": false, "alternative_recordkeeping": false, "pass_through_eligible": false } ], "undeterminable_by_missing_field": [ { "missing_field": "smdia", "account_count": 2 } ], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0005 as of 2026-06-30, over 2 supplied deposit account records.", "No standard maximum deposit insurance amount was supplied, so no account could be given an insured amount and every supplied record is reported as undeterminable naming smdia. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "0 accounts across 0 aggregation groups and 0 ownership right and capacity codes were determined: 0 minor units insured and 0 uninsured against an aggregated balance of 0.", "0 accounts are fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "2 accounts could not be calculated and are reported individually with the missing field named: smdia (2). Section 370.10 asks for exactly this population, so it is a reported result rather than an error.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_SMDIA_ABSENT_NOTHING_ESTIMATED", "FDIC370_UNDETERMINABLE_RECORDS_PRESENT", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "c10857c3c6742e9f945a5617b4e03d75608bf3b875a80974aecc32a0ab659d61" }, { "name": "certification-assertion-is-echoed-never-verified", "description": "The section 370.10 assertion that testing occurred in the preceding twelve months is carried with computed_here and verified_here both false, and the signature is routed to art-503 at threshold one. Nothing here reads a clock or checks that any testing happened.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0006", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "covered_institution_declared": true, "certification_assertion": { "testing_performed_in_preceding_twelve_months": false, "assertion_date": "2026-02-15", "signer_role": "chief operating officer" }, "account_records": [ { "account_ref": "ACCT-C1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-12", "balance": 5000000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0006", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": true, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": false, "assertion_date": "2026-02-15", "signer_role": "chief operating officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 1, "deposit_accounts_determined": 1, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 5000000, "insured_minor_units": 5000000, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 5000000, "insured_minor_units": 5000000, "uninsured_minor_units": 0, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-12", "account_count": 1, "account_refs": [ "ACCT-C1" ], "aggregated_balance_minor_units": 5000000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 5000000, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": false } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0006 as of 2026-06-30, over 1 supplied deposit account record.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "1 account across 1 aggregation group and 1 ownership right and capacity code were determined: 5000000 minor units insured and 0 uninsured against an aggregated balance of 5000000.", "1 account is fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "e2551ffc36fe186d964020b0c99f9e0ad75a96a56a83df9e3c254f3c35c6e052" }, { "name": "covered-status-is-never-asserted-here", "description": "The caller declares it is not a covered institution while supplying a low account count. The declaration is echoed, asserted_here stays false, and the arithmetic runs regardless. This surface never tells an institution whether part 370 applies to it.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0007", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "covered_institution_declared": false, "declared_deposit_account_count": 41000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-V1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-13", "balance": 100000 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0007", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": false, "declared_deposit_account_count": 41000, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 1, "deposit_accounts_determined": 1, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 100000, "insured_minor_units": 100000, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 100000, "insured_minor_units": 100000, "uninsured_minor_units": 0, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-13", "account_count": 1, "account_refs": [ "ACCT-V1" ], "aggregated_balance_minor_units": 100000, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 100000, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": false } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0007 as of 2026-06-30, over 1 supplied deposit account record.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "1 account across 1 aggregation group and 1 ownership right and capacity code were determined: 100000 minor units insured and 0 uninsured against an aggregated balance of 100000.", "1 account is fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "16e20d659935a024cf1bc953444c82d022ddc237712c72a2cb3ab9420f43e8f6" }, { "name": "finite-gate-empty-input", "description": "No account records, no SMDIA, no as-of date and no certification assertion. Every total is a defined zero, the undeterminable list is empty, and no branch emits NaN, Infinity or an undefined verdict.", "policy_parameters": {}, "output_payload": { "as_of_date": null, "institution_ref": "UNSTATED", "smdia_applied": null, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": null, "assertion_date": null, "signer_role": "UNSTATED", "assertion_present": false, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 0, "distinct_account_holder_count": 0, "deposit_accounts_supplied": 0, "deposit_accounts_determined": 0, "fully_insured_account_count": 0, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "currency": "UNSTATED", "minor_unit_scale": null }, "by_ownership_right_and_capacity": [], "aggregation_groups": [], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference UNSTATED with no as-of date supplied, over 0 supplied deposit account records.", "No standard maximum deposit insurance amount was supplied, so no account could be given an insured amount and every supplied record is reported as undeterminable naming smdia. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "0 accounts across 0 aggregation groups and 0 ownership right and capacity codes were determined: 0 minor units insured and 0 uninsured against an aggregated balance of 0.", "0 accounts are fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_NOT_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_SMDIA_ABSENT_NOTHING_ESTIMATED", "FDIC370_CERTIFICATION_ASSERTION_ABSENT", "FDIC370_COVERED_STATUS_NOT_ASSERTED", "FDIC370_AS_OF_DATE_ABSENT", "FDIC370_NO_ACCOUNT_RECORDS_SUPPLIED" ], "golden_hash": "beb4e7ef1a672f64109e8d6fc2cd833c419845a61ddfcec4ec4740687a4e0619" }, { "name": "finite-gate-zero-balances", "description": "Zero balances with an SMDIA supplied. Groups resolve to zero insured and zero uninsured and count as fully insured, which is defined rather than degenerate.", "policy_parameters": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0008", "currency": "USD", "minor_unit_scale": 100, "smdia": 25000000, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer" }, "account_records": [ { "account_ref": "ACCT-Z1", "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-14", "balance": 0 } ] }, "output_payload": { "as_of_date": "2026-06-30", "institution_ref": "IDI-SYNTH-0008", "smdia_applied": 25000000, "smdia_is_caller_supplied": true, "smdia_basis": "The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "covered_institution": { "declared_by_caller": null, "declared_deposit_account_count": null, "asserted_here": false, "basis": "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface." }, "certification_assertion": { "testing_performed_in_preceding_twelve_months": true, "assertion_date": "2026-03-31", "signer_role": "chief executive officer", "assertion_present": true, "computed_here": false, "verified_here": false, "signature_evaluated_by": "art-503-build-dual-control-certification", "signature_threshold_n": 1, "basis": "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here." }, "coverage_summary": { "ownership_right_and_capacity_code_count": 1, "distinct_account_holder_count": 1, "deposit_accounts_supplied": 1, "deposit_accounts_determined": 1, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "currency": "USD", "minor_unit_scale": 100 }, "by_ownership_right_and_capacity": [ { "ownership_right_and_capacity": "SGL", "deposit_account_count": 1, "distinct_account_holder_count": 1, "aggregated_balance_minor_units": 0, "insured_minor_units": 0, "uninsured_minor_units": 0, "fully_insured_account_count": 1, "accounts_with_uninsured_deposits_count": 0, "undeterminable_account_count": 0 } ], "aggregation_groups": [ { "ownership_right_and_capacity": "SGL", "insurance_aggregation_key": "HOLDER-14", "account_count": 1, "account_refs": [ "ACCT-Z1" ], "aggregated_balance_minor_units": 0, "coverage_units": 1, "allowance_minor_units": 25000000, "insured_minor_units": 0, "uninsured_minor_units": 0, "fully_insured": true, "pass_through_applied": false } ], "undeterminable_records": [], "undeterminable_by_missing_field": [], "ownership_code_handling": "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "alternative_recordkeeping_handling": "Where an account is maintained under the alternative recordkeeping provisions of section 370.4, the beneficial ownership detail sits with a third party and section 370.3 contemplates the Corporation supplying it after failure. The institution system cannot calculate coverage for those accounts from its own records, so they are reported as undeterminable rather than estimated. That is the correct answer under the rule, not a failure of this computation.", "money_representation": "All amounts are integer minor units and all arithmetic is fixed point. No floating point operation is performed on money, and a balance that is not an integer is reported as undeterminable rather than coerced or rounded.", "rationale": [ "Deposit insurance coverage computed for institution reference IDI-SYNTH-0008 as of 2026-06-30, over 1 supplied deposit account record.", "The standard maximum deposit insurance amount applied is 25000000 minor units, supplied by the caller. The standard maximum deposit insurance amount is supplied by the caller and no statutory amount is held in this kernel. A maintained figure would go stale the moment it moved and would assert a statutory fact this surface is not entitled to assert. With no amount supplied nothing is estimated: every record is reported as undeterminable naming smdia.", "1 account across 1 aggregation group and 1 ownership right and capacity code were determined: 0 minor units insured and 0 uninsured against an aggregated balance of 0.", "1 account is fully insured and 0 hold uninsured deposits. Balances combine within an ownership right and capacity for the same holder before an allowance is applied, and a group receives the largest allowance count stated for it rather than the sum across its accounts, so repeating a beneficiary set across accounts never multiplies coverage.", "Every supplied account carried the fields needed to calculate its coverage, so the undeterminable population is empty.", "Ownership right and capacity codes are opaque strings used for grouping and reporting only. Nothing in this computation branches on the text of a code, and no table of part 330 ownership categories or allowance rules is held here. How many separate insurance allowances a group is entitled to arrives as coverage_units, derived from the caller record, because that determination belongs to the institution and its counsel.", "The section 370.10 certification confirms that the institution tested its information technology system during the preceding twelve months and is signed by the chief executive officer or the chief operating officer. That confirmation and its date are caller-supplied assertions. They are echoed unchanged, they are never computed from a clock, and nothing here verifies that any testing occurred. The signature itself is evaluated as a section 27 approval record at threshold N=1 by art-503-build-dual-control-certification; no certification surface is built here.", "Whether this institution has the two million or more deposit accounts that make it a covered institution under section 370.2 is a caller declaration. No account census is performed here and no covered status is asserted by this surface.", "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here." ], "boundary": "This computes insured and uninsured amounts from the account records supplied to it. It carries no claim that the Federal Deposit Insurance Corporation would accept the result, it does not serve as a filing, it does not produce the submission format section 370.10 prescribes, and it offers no deposit insurance advice. Whether coverage is correct for any particular depositor is decided under 12 CFR part 330 by the institution and its counsel, never here.", "note": "Deterministic deposit insurance coverage determination by ownership right and capacity. Single-run and stateless: it holds no records, runs on no schedule, and retains nothing. It computes insured and uninsured amounts from supplied records against a caller-supplied standard maximum deposit insurance amount, and it names the missing field for every account it cannot calculate. It holds no part 330 rule table, asserts no covered status, verifies no certification, reads no clock, and is not a filing and not deposit insurance advice." }, "compliance_flags": [ "FDIC370_COVERAGE_DETERMINED_FOR_ALL_SUPPLIED_ACCOUNTS", "FDIC370_CERTIFICATION_ASSERTION_CALLER_SUPPLIED_NOT_VERIFIED", "FDIC370_COVERED_STATUS_NOT_ASSERTED" ], "golden_hash": "ce4d5e9bd3dbf30b07819fdf47930c1f0d2c2021fd27a4a04d4e26ceec10e52e" } ] }