OpenChainGraph Suite · ART-234 · US Mortgage Compliance

HOEPA High-Cost Mortgage Trigger Test

Tests all three HOEPA high-cost triggers per Reg Z §1026.32(a)(1). A loan is high-cost if any trigger fires. APR trigger: APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50,000. Points-and-fees trigger: 5% of loan or $1,380 floor (2026). Prepayment penalty trigger: applicable beyond 36 months or exceeds 2% of prepaid amount. Separate from QM points-and-fees (art-218) and HPML escrow (art-235).

Reg Z §1026.32(a)(1) HOEPA 2026 APR Trigger Points-and-Fees Prepayment Penalty
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Loan and Rate Inputs
Loan annual percentage rate.
Average Prime Offer Rate from FFIEC weekly table for a comparable transaction.
Total per §1026.32(b)(1) definition.
Dwelling and Prepayment Penalty
Trigger Status
Detail
Execution Hash (SHA-256)







  

    
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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 `test_hoepa_high_cost`. Task: Test all three HOEPA high-cost mortgage triggers per Reg Z §1026.32(a)(1): (i) APR trigger (APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50k); (ii) points-and-fees trigger (5% of loan or $1,380 floor, 2026, FR 2025-22773); (iii) prepayment penalty trigger (>36 months or >2% of prepaid amount).
Call it with arguments: {"policy_parameters":{"apr_pct":12.5,"apor_pct":5.5,"lien_type":"first","is_small_dwelling":false,"loan_amount":400000,"points_and_fees":5000,"has_prepayment_penalty":false,"prepayment_penalty_period_months":0,"prepayment_penalty_pct":0,"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-234-test-hoepa-high-cost.html#p=v1.H4sIAAAAAAAA_wHkABv_eyJhcHJfcGN0IjoxMi41LCJhcG9yX3BjdCI6NS41LCJsaWVuX3R5cGUiOiJmaXJzdCIsImlzX3NtYWxsX2R3ZWxsaW5nIjpmYWxzZSwibG9hbl9hbW91bnQiOjQwMDAwMCwicG9pbnRzX2FuZF9mZWVzIjo1MDAwLCJoYXNfcHJlcGF5bWVudF9wZW5hbHR5IjpmYWxzZSwicHJlcGF5bWVudF9wZW5hbHR5X3BlcmlvZF9tb250aHMiOjAsInByZXBheW1lbnRfcGVuYWx0eV9wY3QiOjAsInllYXIiOjIwMjZ9slgee-QAAAA