OpenChainGraph Suite · ART-404 · Auto & Retail Lending · Reg Z 12 CFR 1026.18

Retail Installment Contract TILA Disclosure Checker

Ties Amount Financed, Finance Charge, and Total of Payments on a retail installment contract (e.g. auto financing) against an amortization schedule REUSED from Amortization Schedule Builder (art-332). This tool does not amortize: paste that tool's exported totals and schedule_digest below.

12 CFR 1026.18 Composes art-332 Collections Compliance Family

🔒 All checking runs locally in your browser. No data is transmitted. Do not enter real consumer data — use synthetic or anonymised inputs only.

⚠ COMPOSITION NOTE: this checks the tie-out ARITHMETIC against the schedule totals you supply: it does not independently recompute or verify the amortization schedule. The dealer-participation record below is ASSERTED and receipt-bound; it is a fair-lending adjacency note, not a discrimination determination.

Contract disclosures

Cash price

Downpayment

Other amounts financed (taxes/fees financed)

Prepaid finance charge

Amortization schedule (from art-332 export: output_payload.totals + schedule_digest)

Schedule JSON: { "totals": {...}, "schedule_digest": "sha256:...", "source_tool_id": "art-332-build-amortization-schedule" }

Disclosed figures (as printed on the contract)

Disclosed amount financed

Disclosed finance charge

Disclosed total of payments

Tolerance, cents (1026.18(d)(1)(i) default 500 = $5.00)

Dealer participation (asserted, receipt-bound)

Dealer markup, percentage points over buy rate

Dealer reserve/participation disclosed to consumer

Tie-outs

Dealer participation record

Execution Hash (SHA-256)

Ask your agent

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_retail_installment_disclosures`. Task: Tie declared retail-installment-contract Amount Financed, Finance Charge, and Total of Payments (12 CFR 1026.18) against a REUSED amortization schedule -- compose by feeding build_amortization_schedule's (art-332) output_payload straight in, or by reference via its totals and schedule_digest.
Call it with arguments: {"policy_parameters":{"inputs":{"cash_price":21500,"downpayment":1500,"other_amounts_financed":0,"prepaid_finance_charge":0,"amortization_schedule":{"totals":{"total_interest":3479.43,"total_principal":20000,"num_payments":60,"ending_balance":0},"schedule_digest":"sha256:cd726c8717cdc5b1dde830101a5a7fb29f10840048b8cb85d5d834837c493f3d","source_tool_id":"art-332-build-amortization-schedule"},"disclosed_amount_financed":20000,"disclosed_finance_charge":3479.43,"disclosed_total_of_payments":23479.43,"tolerance_cents":500,"dealer_participation":{"markup_pct":1.5,"dealer_reserve_disclosed":true,"declaration_note":"Dealer participation disclosed per contract Sec 4."}}}}
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-404-check-retail-installment-disclosures.html#p=v1.H4sIAAAAAAAA_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