{
      "name": "producer-license-reciprocity",
      "domain": "Financial Crime & KYC",
      "title": "Producer License Reciprocity",
      "spec_version": "0.8.0",
      "wave": 45,
      "description": "Linear one-step chain checking NAIC producer license reciprocity for non-resident filing across target states. Identifies non-standard states (CA, FL, NJ, NY, HI, MN, WI) requiring independent filing, background checks, or state exams outside the standard reciprocity path. Per NAIC MDL-218 and NIPR Reciprocity Matrix 2024. State codes and LOA enum inputs only. Zero PII by construction.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/producer-license-reciprocity.html",
      "regulatory_refs": [
        "NAIC Producer Licensing Model Act (MDL-218)",
        "NIPR Non-Resident Uniform Application Reciprocity Matrix 2024"
      ],
      "steps": [
        {
          "tool_id": "art-267-check-producer-license-reciprocity",
          "handoff": "NAIC reciprocity check: all_reciprocal (bool), non_standard_states[], coverage_by_target[] with per-state reciprocal flag and LOA gaps. Final stage."
        }
      ]
    }