Computes the SCRA 6% interest-rate cap per 50 USC §3937 and determines whether excess interest is forgiven (never deferred). Applies to pre-service obligations of active-duty servicemembers upon written notice. Covers retroactive interest credit from the date military service begins. Table: SCRA-50USC3937-2022.
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
ⓘ Not legal or compliance advice. SCRA coverage requires verification that the obligation pre-dates active-duty orders and that written notice (with a copy of the orders) was provided to the lender. This tool computes the arithmetic of the rate reduction; it does not substitute for legal review of covered-servicemember status.
Obligation Details
Contract rate before SCRA reduction. Must pre-date active-duty orders.
Number of months the cap applies (service period).
Servicemember Status
50 USC §3937 applies only to obligations incurred before the period of active military service.
Servicemember must provide written notice + copy of orders (50 USC §3937(b)(1)).
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 `compute_scra_rate_cap`. Task: Compute the SCRA 6% interest rate cap per 50 USC §3937 for pre-service loan obligations.
Call it with arguments: {"policy_parameters":{"original_rate_pct":8,"loan_balance":10000,"covered_months":12,"is_pre_service_obligation":true,"servicemember_notified":true}}
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, or re-run the in-page WebMCP tool `compute_scra_rate_cap`.
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.
Over MCP, the run happens on the AINumbers worker. No AINumbers server stores your inputs.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-232-compute-scra-rate-cap.html#p=v1.H4sIAAAAAAAA_wF_AID_eyJvcmlnaW5hbF9yYXRlX3BjdCI6OCwibG9hbl9iYWxhbmNlIjoxMDAwMCwiY292ZXJlZF9tb250aHMiOjEyLCJpc19wcmVfc2VydmljZV9vYmxpZ2F0aW9uIjp0cnVlLCJzZXJ2aWNlbWVtYmVyX25vdGlmaWVkIjp0cnVlfRGj9Ox_AAAA