{
      "name": "servicemember-lending-protections",
      "domain": "Consumer Lending & Fair Lending",
      "title": "Servicemember Lending Protections",
      "spec_version": "0.8.0",
      "wave": 39,
      "description": "Linear two-step chain covering both servicemember lending protections in sequence. Step 1 computes the MLA MAPR and checks the 36% cap (applies at origination for covered borrowers). Step 2 computes the SCRA 6% rate cap and excess interest forgiveness (applies during active duty on pre-service obligations). Both steps always run.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/servicemember-lending-protections.html",
      "regulatory_refs": [
        "32 CFR Part 232 §232.4(c) (MLA 36% MAPR cap, effective 2016-10-03)",
        "50 USC §3937 (SCRA 6% interest rate cap; excess forgiven not deferred)"
      ],
      "steps": [
        {
          "tool_id": "art-231-compute-mla-mapr",
          "handoff": "MAPR percentage, cap compliance flag, and charge breakdown. Passes to SCRA rate cap computation."
        },
        {
          "tool_id": "art-232-compute-scra-rate-cap",
          "handoff": "SCRA rate cap result, excess interest forgiven amount, covered-months calculation. Final stage."
        }
      ]
    }