{
  "tool_id": "art-216-trid-tolerance-cure",
  "kernel_id": "art-216-trid-tolerance-cure",
  "display_name": "TRID Fee Tolerance and Cure",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "TRID fee tolerance analysis and cure calculation per Reg Z §1026.19(e)(3). Each closing fee arrives with its tolerance bucket already assigned by the caller (zero-tolerance, ten-percent cumulative, or no-tolerance-limit); this node does not derive that membership, because the §1026.19(e)(3)(ii)(A)-(C) tests turn on provider identity, whether the consumer was permitted to shop for the provider, and creditor-affiliate status, and none of those facts are inputs here. Computes 10% bucket aggregate overage, identifies violations, and returns the cure amount required to make the consumer whole under TRID. The §1026.19(e)(3)(iv)(A)-(F) grounds for a revised estimate (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, consumer-requested revision, interest-rate-dependent charges, expiration of the estimate, and delayed settlement on a construction loan) are not distinguished from one another: each fee carries one caller-declared changed-circumstance boolean, and which ground supports it is outside scope.",
  "control_description": "TRID fee tolerance analysis and cure calculation per Reg Z §1026.19(e)(3). Each closing fee arrives with its tolerance bucket already assigned by the caller (zero-tolerance, ten-percent cumulative, or no-tolerance-limit); this node does not derive that membership, because the §1026.19(e)(3)(ii)(A)-(C) tests turn on provider identity, whether the consumer was permitted to shop for the provider, and creditor-affiliate status, and none of those facts are inputs here. Computes 10% bucket aggregate overage, identifies violations, and returns the cure amount required to make the consumer whole under TRID. The §1026.19(e)(3)(iv)(A)-(F) grounds for a revised estimate (changed circumstance affecting settlement charges, changed circumstance affecting eligibility, consumer-requested revision, interest-rate-dependent charges, expiration of the estimate, and delayed settlement on a construction loan) are not distinguished from one another: each fee carries one caller-declared changed-circumstance boolean, and which ground supports it is outside scope.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:9be448c7f2f02ca2d2b223550734fe431b0dacf6d93db36ccae0cb6963e83cb3",
  "trust_label": "independently verified: zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-07-10",
  "last_validated": "2026-07-10",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 37,
  "source_url": "https://ainumbers.co/chaingraph/art-216-trid-tolerance-cure.html",
  "generated_at": "2026-08-22T20:16:21.194Z"
}