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        "amount_advanced": 500,
        "amount_financed_mapr": 500,
        "application_fee_carve_out_applied": false,
        "application_fee_carve_out_predicates": {
          "application_fee_once_in_rolling_12_months": false,
          "creditor_is_fcu_or_idi": false,
          "is_short_term_small_amount_loan": false
        },
        "approaching_cap_threshold_basis": "House heuristic, declared. No authority states a 30 percent warning line; it is named here so a reader can see it is ours and not the regulation.",
        "approaching_cap_threshold_pct": 30,
        "bona_fide_exclusion_available": false,
        "bona_fide_fee_claimed_total": 0,
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        "charge_breakdown": [
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            "amount": 0,
            "citation": "32 CFR 232.4(c)(1)(i)",
            "field": "credit_insurance_premium_total",
            "included": true,
            "treatment": "collected_at_consummation"
          },
          {
            "amount": 0,
            "citation": "32 CFR 232.4(c)(1)(i)",
            "field": "debt_cancellation_fee_total",
            "included": true,
            "treatment": "collected_at_consummation"
          },
          {
            "amount": 0,
            "citation": "32 CFR 232.4(c)(1)(i)",
            "field": "debt_suspension_fee_total",
            "included": true,
            "treatment": "collected_at_consummation"
          },
          {
            "amount": 0,
            "citation": "32 CFR 232.4(c)(1)(ii)",
            "field": "ancillary_product_fee_total",
            "included": true,
            "treatment": "collected_at_consummation"
          },
          {
            "amount": 28.44,
            "citation": "32 CFR 232.4(c)(1)(iii)(A)",
            "field": "finance_charge_total",
            "included": true,
            "treatment": "carried_by_payment_schedule"
          },
          {
            "amount": 0,
            "citation": "32 CFR 232.4(c)(1)(iii)(B)",
            "field": "application_fee",
            "included": true,
            "treatment": "collected_at_consummation"
          },
          {
            "amount": 0,
            "citation": "32 CFR 232.4(c)(1)(iii)(C)",
            "field": "participation_fee_annual",
            "included": true,
            "treatment": "collected_at_consummation"
          },
          {
            "amount": 0,
            "citation": "32 CFR 232.4(d)(1)",
            "field": "bona_fide_fee_claimed_total",
            "included": true,
            "treatment": "collected_at_consummation"
          }
        ],
        "converged": true,
        "credit_class": "closed_end",
        "exceeds_cap": true,
        "finance_charge_in_schedule": 28.44,
        "in_scope": true,
        "iterations": 25,
        "mapr_cap_pct": 36,
        "mapr_determined": true,
        "mapr_pct": 46.14,
        "max_payment_count": 600,
        "method_basis": "Appendix J to 12 CFR part 1026: (a)(2) actuarial recurrence on the unpaid balance; (b)(1) annualise by multiplying the unit-period rate by the unit-periods in a year; (b)(4)(ii) the unit-period of a single advance, single payment transaction is its term, capped at one year; (b)(5)(ii) a monthly unit-period has 12 unit-periods per year; (b)(5)(vi) and (b)(5)(vii) a sub-year single advance, single payment term has one unit-period and 365 divided by the days in the term unit-periods per year; (b)(5)(v)(B) a remaining interval that is not a whole number of months is the remaining days divided by 365; (b)(6) a fraction of a unit-period is priced at simple interest, so only whole unit-periods compound and no base is raised to a fractional power. Accuracy target: the one eighth of one percentage point tolerance in 12 CFR 1026.22(a)(2).",
        "payment_amount": 528.44,
        "payment_count": 1,
        "payment_count_exceeds_limit": false,
        "payment_structure": "single_payment",
        "payment_total": 528.44,
        "periodic_rate": 0.05688,
        "pii_note": "All inputs are processed locally in your browser. No data is transmitted.",
        "prepaid_includable_charges": 0,
        "regulatory_basis": "10 USC 987(b) and 32 CFR 232.4(b) set the 36 percent MAPR limit. 32 CFR 232.4(c)(1) sets the charge set. 32 CFR 232.4(c)(2)(i) directs that a closed-end MAPR is calculated by Regulation Z rules for the annual percentage rate over that charge set, which are 12 CFR 1026.22(a)(1) and Appendix J to 12 CFR part 1026. DoD MLA rule 80 FR 43560 (22 Jul 2015): effective 1 Oct 2015, compliance required 3 Oct 2016, and 3 Oct 2017 for credit card accounts.",
        "scope_note": "CLOSED-END consumer credit only. Open-end credit, including every credit card account, is OUT OF SCOPE: 32 CFR 232.4(c)(2)(ii)(A) prices it on the balance for a billing cycle under 12 CFR 1026.14(c) and (d), and 32 CFR 232.4(c)(2)(ii)(B) governs a billing cycle with no balance. Neither is computed here, and a call declaring an open-end class or a credit card account returns no rate rather than a closed-end number. The bona fide fee exclusion in 32 CFR 232.4(d)(1) reaches a credit card account under an open-end plan only, so it is unavailable on this path and a caller-declared bona fide amount is included anyway. Charges are modelled as collected at consummation and deducted from the amount financed, except a finance charge, which is carried by the payment schedule; a structure in which an includable charge is instead financed into the payments is out of scope. A schedule of more than 600 payments is also out of scope and returns no rate: that ceiling is a declared structural limit of this node, not a rule of law, and it exists so the work done inside compute() is bounded by a constant rather than by a caller-supplied payment count.",
        "table_source": "10 USC 987(b); 32 CFR 232.4(b) limit; 32 CFR 232.4(c)(1)(i) to (iii) charge set; 32 CFR 232.4(c)(1)(iii)(B) Federal credit union and insured depository institution application-fee carve-out; 32 CFR 232.4(c)(2)(i) closed-end computation method; 32 CFR 232.4(d)(1) and (d)(2) bona fide fee exclusion and its ineligible items; 12 CFR 1026.22(a) and Appendix J to 12 CFR part 1026 (eCFR versioner, retrieved 2026-08-14); worked examples 80 FR 43583 and 80 FR 43603 n.347 (retrieved 2026-08-22), republished at CFPB Supervision and Examination Manual, MLA (Sept 2016), pp. MLA 9 to 10.",
        "table_version": "MLA-DOD-32CFR232-2015-10-01",
        "term_days": 45,
        "total_excluded_charges": 0,
        "total_includable_charges": 28.44,
        "unit_periods_per_year": 8.111111
      }
    }
  },
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