Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3). Five-tier table lookup with version-pinned CFPB annual dollar adjustments. Returns pass/fail with applicable tier label, limit amount, and headroom. Prerequisite for QM APR-APOR spread test.
| Tier | Loan range | Limit |
|---|
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.
Run the AINumbers MCP tool `check_qm_points_and_fees`. Task: Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3).
Call it with arguments: {"policy_parameters":{"loan_amount":450000,"points_and_fees":12000,"year":2026}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-218-qm-points-and-fees.html#p=v1.H4sIAAAAAAAA_wE6AMX_eyJsb2FuX2Ftb3VudCI6NDUwMDAwLCJwb2ludHNfYW5kX2ZlZXMiOjEyMDAwLCJ5ZWFyIjoyMDI2fUiZJko6AAAA