{
      "name": "card-act-ability-to-pay",
      "domain": "Consumer Lending & Fair Lending",
      "title": "CARD Act Ability to Pay",
      "spec_version": "0.8.0",
      "wave": 39,
      "description": "Gated two-step chain for CARD Act ability-to-pay compliance. Step 1 evaluates ATP per §1026.51 (DTI threshold 45%, under-21 income restriction, penalty fee safe harbor $32/$43). Gate: atp_passes=true exits immediately (approved). Failed ATP continues to Step 2: adverse action notice build per Reg B §1002.9 with SHAP-ranked factor codes. CFPB $8 late fee rule vacated January 17, 2025 (Fifth Circuit No. 24-10266); $32/$43 remain in effect.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/card-act-ability-to-pay.html",
      "regulatory_refs": [
        "15 USC §1665e (CARD Act ATP requirement)",
        "12 CFR §1026.51 (Reg Z ATP)",
        "12 CFR §1026.51(b) (under-21 independent income restriction)",
        "12 CFR §1026.52(b) (penalty fee safe harbor, $32/$43)",
        "12 CFR §1002.9 (Reg B adverse action notice)"
      ],
      "steps": [
        {
          "tool_id": "art-233-check-card-act-ability-to-pay",
          "handoff": "ATP decision with DTI, under-21 gate, and penalty fee safe harbor. Gate: atp_passes=true exits (approved); failed ATP continues to adverse action notice.",
          "gate": {
            "input": "/atp_passes",
            "rules": [
              {
                "op": "eq",
                "value": true,
                "next": "end"
              }
            ],
            "default": "art-228-build-adverse-action-notice"
          }
        },
        {
          "tool_id": "art-228-build-adverse-action-notice",
          "handoff": "Adverse action notice skeleton per Reg B §1002.9 with SHAP-ranked factor codes. Only reached when ATP fails. Final stage."
        }
      ]
    }