{
  "tool_id": "art-615-mla-charge-inclusion-classifier",
  "note": "golden_hash pinned (see vectors). Vectors are read off the regulation’s own worked examples (32 CFR 232.4(d)(4)(iii), (d)(2), (d)(3)(iv), (c)(1)(iii)(B)) per FORMALVERIF-BUILD-SPEC.md §3d preference 1.",
  "vectors": [
    {
      "name": "reg-example-d4iiiA-debt-cancellation-included",
      "policy_parameters": {
        "charge_type": "debt_cancellation_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "debt_cancellation_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(i)",
        "basis": "Included in the MAPR by 32 CFR 232.4(c)(1)(i), and 32 CFR 232.4(d)(2) names this charge as ineligible for the bona fide fee exclusion, so a credit card account does not change the answer.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "9c18c131e93f37c2fbb20850b344419a312432e5d1d51d6406670c30e92a354e"
    },
    {
      "name": "reg-example-d4iiiA-finance-charge-included",
      "policy_parameters": {
        "charge_type": "finance_charge",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "finance_charge",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(iii)(A)",
        "basis": "Finance charges associated with the consumer credit are included by 32 CFR 232.4(c)(1)(iii)(A), and the 232.4(d)(1) exclusion reaches only a bona fide fee other than a periodic rate, which a finance charge is not.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "2e1752fa455ba1975fd4f9b7d2219c561eae90c063d5a717721019c07beaf24b"
    },
    {
      "name": "reg-example-d4iiiA-foreign-txn-fee-conditional",
      "policy_parameters": {
        "charge_type": "other_credit_card_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "other_credit_card_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": "conditional",
        "citation": "32 CFR 232.4(d)(1); 232.4(d)(3)",
        "basis": "On a credit card account this fee is excludable under 32 CFR 232.4(d)(1) only to the extent it is a bona fide fee other than a periodic rate and is reasonable for that type of fee under the 232.4(d)(3) like-kind and safe harbor standards, which rest on comparative market facts this node does not collect.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "6e619359f1c9a035b0844b941252e0aa6c801c23a3130d4b8ce33169b11b9c64"
    },
    {
      "name": "reg-example-d4iiiB-foreign-txn-fee-conditional",
      "policy_parameters": {
        "charge_type": "other_credit_card_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": true
      },
      "output_payload": {
        "charge_type": "other_credit_card_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": true,
        "included_in_mapr": "conditional",
        "citation": "32 CFR 232.4(d)(1); 232.4(d)(3)",
        "basis": "On a credit card account this fee is excludable under 32 CFR 232.4(d)(1) only to the extent it is a bona fide fee other than a periodic rate and is reasonable for that type of fee under the 232.4(d)(3) like-kind and safe harbor standards, which rest on comparative market facts this node does not collect.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "5b858c5f5be678fc85d07ee96ee3f1e4bf1f8cad61003f8c4276d2f42291538f"
    },
    {
      "name": "reg-example-d4iiiB-all-fees-included",
      "policy_parameters": {
        "charge_type": "debt_cancellation_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": true
      },
      "output_payload": {
        "charge_type": "debt_cancellation_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": true,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(i)",
        "basis": "Included in the MAPR by 32 CFR 232.4(c)(1)(i), and 32 CFR 232.4(d)(2) names this charge as ineligible for the bona fide fee exclusion, so a credit card account does not change the answer.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "39e3643e66ba7eff1a9d46a6bcd8b0f592535c6729a75fe184d66d258f90f0bf"
    },
    {
      "name": "reg-d2i-credit-insurance-carve-back",
      "policy_parameters": {
        "charge_type": "credit_insurance_premium",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "credit_insurance_premium",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(i)",
        "basis": "Included in the MAPR by 32 CFR 232.4(c)(1)(i), and 32 CFR 232.4(d)(2) names this charge as ineligible for the bona fide fee exclusion, so a credit card account does not change the answer.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "00c2dc3d425198b998364faa9e8ee41a929c50e48acc0f0121bff4d985c8c2f1"
    },
    {
      "name": "reg-d2i-single-premium-carve-back",
      "policy_parameters": {
        "charge_type": "single_premium_credit_insurance_charge",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "single_premium_credit_insurance_charge",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(i)",
        "basis": "Included in the MAPR by 32 CFR 232.4(c)(1)(i), and 32 CFR 232.4(d)(2) names this charge as ineligible for the bona fide fee exclusion, so a credit card account does not change the answer.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "3b88170558520c4b6ea8e506f65cde4bde912d50a06709c0029c774a7cc79081"
    },
    {
      "name": "reg-d2i-debt-suspension-carve-back",
      "policy_parameters": {
        "charge_type": "debt_suspension_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "debt_suspension_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(i)",
        "basis": "Included in the MAPR by 32 CFR 232.4(c)(1)(i), and 32 CFR 232.4(d)(2) names this charge as ineligible for the bona fide fee exclusion, so a credit card account does not change the answer.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "93e10049b9aa7ca3436586f118c9592365df8c3b0e6e073c279dce1bbb633308"
    },
    {
      "name": "reg-d2ii-ancillary-product-carve-back",
      "policy_parameters": {
        "charge_type": "credit_related_ancillary_product_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "credit_related_ancillary_product_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(ii)",
        "basis": "Included in the MAPR by 32 CFR 232.4(c)(1)(ii), and 32 CFR 232.4(d)(2) names this charge as ineligible for the bona fide fee exclusion, so a credit card account does not change the answer.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "6450d1335921501f503def1b246b4d382b1c6aca0140f705ad77ab7f03080f8f"
    },
    {
      "name": "reg-d3iv-participation-fee-names-100-limit",
      "policy_parameters": {
        "charge_type": "participation_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "participation_fee",
        "is_credit_card_account": true,
        "short_term_exception_claimed": false,
        "included_in_mapr": "conditional",
        "citation": "32 CFR 232.4(c)(1)(iii)(C); 232.4(c)(2)(ii)(B); 232.4(d)(1)",
        "basis": "A participation fee is included by 32 CFR 232.4(c)(1)(iii)(C) subject to 232.4(c)(2)(ii)(B); on a credit card account a bona fide participation fee may be excluded under 232.4(d)(1), and the $100 per annum figure named here comes from the no balance billing cycle rule of 232.4(c)(2)(ii)(B), which by its own terms does not apply to a bona fide participation fee imposed under paragraph (d).",
        "conditional_limit_usd": 100,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "ee26a493d4d2fe833a4b39022024a9cc8b47ec46757ab8c5e6073d4a04a9d22b"
    },
    {
      "name": "reg-c1iiiB-application-fee-included",
      "policy_parameters": {
        "charge_type": "application_fee",
        "is_credit_card_account": false,
        "short_term_exception_claimed": false
      },
      "output_payload": {
        "charge_type": "application_fee",
        "is_credit_card_account": false,
        "short_term_exception_claimed": false,
        "included_in_mapr": true,
        "citation": "32 CFR 232.4(c)(1)(iii)(B)",
        "basis": "Application fees charged to a covered borrower who applies for consumer credit are included by 32 CFR 232.4(c)(1)(iii)(B); the short-term small amount loan carve-out is not claimed here.",
        "conditional_limit_usd": null,
        "manual_review_required": false,
        "manual_review_reason": null
      },
      "golden_hash": "490207efa4d432a56ef7a9e2aa62d036fcff65f025850dc5837b1520cad06021"
    },
    {
      "name": "reg-c1iiiB-application-fee-manual-review",
      "policy_parameters": {
        "charge_type": "application_fee",
        "is_credit_card_account": false,
        "short_term_exception_claimed": true
      },
      "output_payload": {
        "charge_type": "application_fee",
        "is_credit_card_account": false,
        "short_term_exception_claimed": true,
        "included_in_mapr": "conditional",
        "citation": "32 CFR 232.4(c)(1)(iii)(B)",
        "basis": "Application fees are included by 32 CFR 232.4(c)(1)(iii)(B), but the caller claims the short-term small amount loan carve-out, which this closed-set lookup cannot resolve without whether the creditor is a Federal credit union or an insured depository institution, whether the loan is a short-term, small amount loan, and whether the application fee was charged no more than once in any rolling 12-month period.",
        "conditional_limit_usd": null,
        "manual_review_required": true,
        "manual_review_reason": "the 32 CFR 232.4(c)(1)(iii)(B) carve-out turns on three facts this node does not collect: whether the creditor is a Federal credit union or an insured depository institution, whether the loan is a short-term, small amount loan, and whether the application fee was charged no more than once in any rolling 12-month period"
      },
      "golden_hash": "024cd5eb4680de5c99777a62078bd78933c6724faea5270c46b7c4ee52253733"
    }
  ]
}