OpenChainGraph Suite · ART-619

CCD2 Annex III APRC Recompute

Recomputes the EU Directive (EU) 2023/2225 (CCD2) annual percentage rate of charge from a caller-supplied drawdown and repayment schedule, against Annex III Part I's own present-value-equality equation, solved iteratively by bracketed bisection for the rate X.

CCD2Directive (EU) 2023/2225Annex III Part IZero PIIClient-side only

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Method & reliance

Annex III Part I's basic equation sets the sum of discounted drawdowns equal to the sum of discounted repayments and charges. Unlike Reg Z Appendix J (ART-215), which prices the fractional part of a unit-period at simple interest and compounds only the integer part, Annex III states each interval directly in years and fractions of a year and raises (1+X) to that real-valued power with no integer or fraction split, so this recompute uses genuine fractional exponentiation. A rate is reported ONLY when a sign-change bracket was actually established and then narrowed to the declared tolerance. Non-convergence and a non-bracketed schedule are both reported honestly as converged:false, bracketed:false, aprc_pct:null, never silently returned as a caller-supplied guess. The result is expressed to at least one decimal place per Annex III Part I remark (d), rounded half-up on the next digit. Verify-only recompute: it does not determine which CCD2-covered agreements your product falls under, does not submit anything to a regulator, and does not assert that a real agreement is or is not CCD2-compliant.

Drawdowns (C_k at t_k)

Amount	Full periods (years)	Fraction (years)

Repayments and charges (D_l at s_l)

Amount	Full periods (years)	Fraction (years)

Result

Execution Hash & §4 Artifact

SHA-256 execution hash (JCS canonical, RFC 8785):

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 `recompute_ccd2_aprc_annex3`. Task: Recompute the CCD2 Directive (EU) 2023/2225 Annex III APRC from a drawdown/repayment schedule by bracketed bisection on Annex III Part I's present-value-equality equation.
Call it with arguments: {"policy_parameters":{"drawdowns":[{"amount":1000,"full_periods":0,"fraction":0}],"repayments":[{"amount":1100,"full_periods":1,"fraction":0}]}}
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-619-ccd2-aprc-annex3-recompute.html#p=v1.H4sIAAAAAAAA_wF6AIX_eyJkcmF3ZG93bnMiOlt7ImFtb3VudCI6MTAwMCwiZnVsbF9wZXJpb2RzIjowLCJmcmFjdGlvbiI6MH1dLCJyZXBheW1lbnRzIjpbeyJhbW91bnQiOjExMDAsImZ1bGxfcGVyaW9kcyI6MSwiZnJhY3Rpb24iOjB9XX1RxNqEegAAAA