{
      "name": "mortgage-apr-accuracy-and-tolerance-cure",
      "domain": "Consumer Lending & Fair Lending",
      "title": "Mortgage APR Accuracy and Tolerance Cure",
      "description": "Actuarial APR solve followed by TRID APR accuracy check and TRID fee tolerance cure calculation. Linear chain: computes APR, verifies it against disclosed APR within §1026.22(a) tolerance, then computes the cure amount required for any fee tolerance violation under §1026.19(e)(3).",
      "composer_url": "https://ainumbers.co/chaingraph/chains/mortgage-apr-accuracy-and-tolerance-cure.html",
      "regulatory_refs": [
        "Reg Z §1026.22(a) APR accuracy",
        "Reg Z §1026.19(e)(3) TRID fee tolerance",
        "Reg Z Appendix J actuarial APR"
      ],
      "steps": [
        {
          "tool_id": "art-215-reg-z-appendix-j-apr",
          "handoff": "apr_pct and converged flag feed Stage 2 APR accuracy check"
        },
        {
          "tool_id": "art-217-trid-apr-accuracy",
          "handoff": "verdict and within_tolerance feed Stage 3 tolerance cure calculation"
        },
        {
          "tool_id": "art-216-trid-tolerance-cure",
          "handoff": "cure_required and cure_amount complete the APR accuracy and tolerance cure report -- final stage"
        }
      ]
    }