OpenChainGraph Suite · ART-405 · Private Student Lending · Reg Z 12 CFR 1026.46-48

Private Student Loan Disclosure & Rescission Checker

Checks a private-education-loan disclosure-element checklist across the application, approval, and final stages (12 CFR 1026.46-48), the HEOA self-certification presence requirement, and computes the 3-business-day right-to-cancel window from a declared final-disclosure date.

12 CFR 1026.46-48 HEOA Self-Cert 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.
⚠ SCOPE NOTE: Federal Income-Driven Repayment (IDR) calculations are explicitly OUT OF SCOPE: IDR formulas churn on a policy cycle distinct from the stable 1026.46-48 element/timing requirements checked here.
Application / solicitation disclosure (1026.47(a))
Approval disclosure (1026.47(b))
Final disclosure (1026.47(c))
Self-certification & rescission window
Stage gaps
Rescission window
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 `check_private_student_loan_disclosures`. Task: Check a private-education-loan disclosure-element checklist across the three 12 CFR 1026.46-48 stages (application/solicitation, approval, final), the HEOA self-certification-form presence requirement, and computes the 3-business-day right-to-cancel window from a declared final-disclosure date (skipping weekends and any declared holiday dates).
Call it with arguments: {"policy_parameters":{"inputs":{"application_elements":[{"element":"interest-rate-or-range","status":"complete"},{"element":"fees-and-default-charges","status":"complete"},{"element":"repayment-terms","status":"complete"},{"element":"cosigner-rights-disclosure","status":"complete"},{"element":"estimated-total-cost","status":"complete"}],"approval_elements":[{"element":"confirmed-interest-rate","status":"complete"},{"element":"confirmed-fees","status":"complete"},{"element":"confirmed-repayment-terms","status":"complete"},{"element":"right-to-accept-30-days-disclosure","status":"complete"},{"element":"rate-lock-period-disclosure","status":"complete"}],"final_elements":[{"element":"final-interest-rate","status":"complete"},{"element":"final-fees","status":"complete"},{"element":"final-repayment-schedule","status":"complete"},{"element":"right-to-cancel-3-day-disclosure","status":"complete"}],"self_certification_present":true,"final_disclosure_date":"2026-07-20","holiday_dates":[]}}}
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-405-check-private-student-loan-disclosures.html#p=v1.H4sIAAAAAAAA_wHNAzL8eyJpbnB1dHMiOnsiYXBwbGljYXRpb25fZWxlbWVudHMiOlt7ImVsZW1lbnQiOiJpbnRlcmVzdC1yYXRlLW9yLXJhbmdlIiwic3RhdHVzIjoiY29tcGxldGUifSx7ImVsZW1lbnQiOiJmZWVzLWFuZC1kZWZhdWx0LWNoYXJnZXMiLCJzdGF0dXMiOiJjb21wbGV0ZSJ9LHsiZWxlbWVudCI6InJlcGF5bWVudC10ZXJtcyIsInN0YXR1cyI6ImNvbXBsZXRlIn0seyJlbGVtZW50IjoiY29zaWduZXItcmlnaHRzLWRpc2Nsb3N1cmUiLCJzdGF0dXMiOiJjb21wbGV0ZSJ9LHsiZWxlbWVudCI6ImVzdGltYXRlZC10b3RhbC1jb3N0Iiwic3RhdHVzIjoiY29tcGxldGUifV0sImFwcHJvdmFsX2VsZW1lbnRzIjpbeyJlbGVtZW50IjoiY29uZmlybWVkLWludGVyZXN0LXJhdGUiLCJzdGF0dXMiOiJjb21wbGV0ZSJ9LHsiZWxlbWVudCI6ImNvbmZpcm1lZC1mZWVzIiwic3RhdHVzIjoiY29tcGxldGUifSx7ImVsZW1lbnQiOiJjb25maXJtZWQtcmVwYXltZW50LXRlcm1zIiwic3RhdHVzIjoiY29tcGxldGUifSx7ImVsZW1lbnQiOiJyaWdodC10by1hY2NlcHQtMzAtZGF5cy1kaXNjbG9zdXJlIiwic3RhdHVzIjoiY29tcGxldGUifSx7ImVsZW1lbnQiOiJyYXRlLWxvY2stcGVyaW9kLWRpc2Nsb3N1cmUiLCJzdGF0dXMiOiJjb21wbGV0ZSJ9XSwiZmluYWxfZWxlbWVudHMiOlt7ImVsZW1lbnQiOiJmaW5hbC1pbnRlcmVzdC1yYXRlIiwic3RhdHVzIjoiY29tcGxldGUifSx7ImVsZW1lbnQiOiJmaW5hbC1mZWVzIiwic3RhdHVzIjoiY29tcGxldGUifSx7ImVsZW1lbnQiOiJmaW5hbC1yZXBheW1lbnQtc2NoZWR1bGUiLCJzdGF0dXMiOiJjb21wbGV0ZSJ9LHsiZWxlbWVudCI6InJpZ2h0LXRvLWNhbmNlbC0zLWRheS1kaXNjbG9zdXJlIiwic3RhdHVzIjoiY29tcGxldGUifV0sInNlbGZfY2VydGlmaWNhdGlvbl9wcmVzZW50Ijp0cnVlLCJmaW5hbF9kaXNjbG9zdXJlX2RhdGUiOiIyMDI2LTA3LTIwIiwiaG9saWRheV9kYXRlcyI6W119fTwjA7HNAwAA