{
      "name": "mortgage-high-cost-and-hpml-screen",
      "domain": "Consumer Lending & Fair Lending",
      "title": "Mortgage High-Cost and HPML Screen",
      "spec_version": "0.8.0",
      "wave": 39,
      "description": "Gated two-step consumer-protection screen: HOEPA high-cost trigger test (§1026.32(a)(1)) with gate on is_high_cost. If any HOEPA trigger fires, chain terminates (HOEPA restrictions are terminal). Otherwise proceeds to HPML escrow test (§1026.35). Covers the full Reg Z consumer-protection spectrum beyond the QM preflight.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/mortgage-high-cost-and-hpml-screen.html",
      "regulatory_refs": [
        "Reg Z §1026.32(a)(1) HOEPA high-cost mortgage triggers",
        "Reg Z §1026.35(a)(1) HPML definition",
        "Reg Z §1026.35(b)(1)-(2) HPML escrow requirement and exemptions",
        "FR 2025-22773 (2026 HOEPA points-and-fees threshold, effective Jan 1, 2026)"
      ],
      "steps": [
        {
          "tool_id": "art-234-test-hoepa-high-cost",
          "handoff": "is_high_cost feeds HOEPA gate; if true any further HPML check is superseded by HOEPA restrictions",
          "gate": {
            "input": "/is_high_cost",
            "rules": [
              {
                "op": "eq",
                "value": true,
                "next": "end"
              }
            ],
            "default": "art-235-test-hpml-escrow",
            "gate_policy": "review_required"
          }
        },
        {
          "tool_id": "art-235-test-hpml-escrow",
          "handoff": "is_hpml and escrow_required complete the consumer-protection screen"
        }
      ]
    }