{
  "tool_id": "art-615-mla-charge-inclusion-classifier",
  "kernel_id": "art-615-mla-charge-inclusion-classifier",
  "display_name": "MLA Charge-Inclusion Classifier",
  "tool_version": "1.0.0",
  "mandate_type": "compliance_mandate",
  "purpose": "Closed-set lookup of whether a charge type must be included in the Military Lending Act MAPR under 32 CFR 232.4(c) and 232.4(d), returning included_in_mapr as true, false or conditional together with the exact paragraph cited and a plain basis sentence. The domain is 9 charge types x is_credit_card_account x short_term_exception_claimed = 36 states, every one of them enumerated. Three charge types return conditional because the regulation's own worked examples at 232.4(d)(4)(iii) run the same fee twice and reach opposite answers on facts a charge type cannot express. The single cell the closed set cannot resolve, an application fee with the 232.4(c)(1)(iii)(B) short-term carve-out claimed, sets manual_review_required and names the three missing predicates rather than guessing. conditional_limit_usd reports the $100 per annum figure of 232.4(c)(2)(ii)(B) on the participation-fee credit-card cells: it NAMES that figure and never compares it to an amount, because 232.4(c)(2)(ii)(B) withdraws the limit for a bona fide participation fee under paragraph (d) and 232.4(d)(3)(iv) gives a $400 fee as potentially reasonable. Performs no arithmetic at all: no ratio, no scale, no threshold compare, no rounding. Zero network calls: does not determine covered-borrower status, does not compute a MAPR, does not compare anything to the 36 percent limit of 232.4(b), and does not decide whether a fee is bona fide or reasonable under 232.4(d)(1) and 232.4(d)(3).",
  "control_description": "Closed-set lookup of whether a charge type must be included in the Military Lending Act MAPR under 32 CFR 232.4(c) and 232.4(d), returning included_in_mapr as true, false or conditional together with the exact paragraph cited and a plain basis sentence. The domain is 9 charge types x is_credit_card_account x short_term_exception_claimed = 36 states, every one of them enumerated. Three charge types return conditional because the regulation's own worked examples at 232.4(d)(4)(iii) run the same fee twice and reach opposite answers on facts a charge type cannot express. The single cell the closed set cannot resolve, an application fee with the 232.4(c)(1)(iii)(B) short-term carve-out claimed, sets manual_review_required and names the three missing predicates rather than guessing. conditional_limit_usd reports the $100 per annum figure of 232.4(c)(2)(ii)(B) on the participation-fee credit-card cells: it NAMES that figure and never compares it to an amount, because 232.4(c)(2)(ii)(B) withdraws the limit for a bona fide participation fee under paragraph (d) and 232.4(d)(3)(iv) gives a $400 fee as potentially reasonable. Performs no arithmetic at all: no ratio, no scale, no threshold compare, no rounding. Zero network calls: does not determine covered-borrower status, does not compute a MAPR, does not compare anything to the 36 percent limit of 232.4(b), and does not decide whether a fee is bona fide or reasonable under 232.4(d)(1) and 232.4(d)(3).",
  "declared_inputs": [],
  "declared_outputs": [],
  "kernel_digest": "sha256:89816e3e50a57991a0dc1ef768b3915ef88e0fad54e72319fdd72363c04680af",
  "trust_label": "independently verified: zkVM execution proof (risc0/groth16-bn254)",
  "data_vintage": "2026-08-16",
  "last_validated": "2026-08-16",
  "conformance_fixtures_vendored": true,
  "compute_proof_ready": "ready",
  "wave": 99,
  "source_url": "https://ainumbers.co/chaingraph/art-615-mla-charge-inclusion-classifier.html",
  "generated_at": "2026-08-17T00:43:08.843Z"
}