{
  "tool_id": "art-405-check-private-student-loan-disclosures",
  "kernel_id": "art-405-check-private-student-loan-disclosures",
  "display_name": "Private Student Loan Disclosure & Rescission Checker",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Checks a private-education-loan disclosure-element checklist across the three 12 CFR 1026.46-48 stages (application/solicitation, approval, final), the HEOA self-certification-form presence requirement, and computes the 3-business-day right-to-cancel window from a declared final-disclosure date (skipping weekends and any declared holiday dates). Federal Income-Driven Repayment (IDR) calculations are explicitly out of scope v1 -- flagged as a future rider trigger, not built, because those formulas churn on a policy cycle distinct from the stable 1026.46-48 requirements checked here.",
  "control_description": "Checks a private-education-loan disclosure-element checklist across the three 12 CFR 1026.46-48 stages (application/solicitation, approval, final), the HEOA self-certification-form presence requirement, and computes the 3-business-day right-to-cancel window from a declared final-disclosure date (skipping weekends and any declared holiday dates). Federal Income-Driven Repayment (IDR) calculations are explicitly out of scope v1 -- flagged as a future rider trigger, not built, because those formulas churn on a policy cycle distinct from the stable 1026.46-48 requirements checked here.",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:75fd46391316b49459fd5cfc046cdfc162076a32e0f76268ed539ffb43e3bd6e",
  "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": 60,
  "source_url": "https://ainumbers.co/chaingraph/art-405-check-private-student-loan-disclosures.html",
  "generated_at": "2026-08-15T11:12:17.704Z"
}