{
      "tool_id": "art-217-trid-apr-accuracy",
      "tool_version": "1.0.0",
      "display_name": "TRID APR Accuracy Verifier",
      "mcp_name": "verify_trid_apr_accuracy",
      "mandate_type": "compliance_mandate",
      "wave": 37,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-217-trid-apr-accuracy.html",
      "description": "TRID APR accuracy check per Reg Z §1026.22(a). Verifies disclosed APR against actual APR within 1/8 percentage point tolerance for regular transactions or 1/4 percentage point for irregular transactions. Returns verdict: accurate, accurate_overstated_ok, understated_violation, or overstated_violation. APR understatement is a TILA violation; overstatement within tolerance is not.",
      "input_schema_ref": "chaingraph/art-217-trid-apr-accuracy.html#manifest",
      "consumes": [
        "art-215-reg-z-appendix-j-apr"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:a74ebe7cdb837e03a939cbe160d49a4f412192f9c98d5d928c8daddda570f8fd","valid_from":"2026-07-10"},{"system":"risc0","image_id":"sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6","valid_from":"2026-07-04"}],
      "export_capability": [
        "json"
      ],
      "compute_proof_ready": "ready",
      "compute_proof": {
        "type": "ZkVmReceipt",
        "system": "risc0",
        "receiptFormat": "groth16-bn254",
        "imageId": "sha256:a1a0bc89b5b1febaeda3519f6dbade0fa5ac16beeb143c4e1b01689573567bc6",
        "seal": "L8sdeeLsOadoU68HtVaHkMNoJ/KASw3ue7hREtxuGhocYd+yVqpGLIGvjt6war6xf0MrJdhEG2Ay+iOq8aq5IQJ24OvahEnhL/gWc+E/bHRojddumw6jOfEtFDMuH+j1IreA/YFXA61JPPpRiG1wp+YBLtFEwbQ7vu64fwG1oDAAanWiTF9RHUmOrkRWJ2LOiIAlwv173dquWxcsXxdsJDATOS2noFSYzffHFTJOHEguuBHb5sOUlr5WAb73zdXkJEb0FDT7zZiBni5QY6jDtT3/8pmPJxGNFqUn2jCh4hMBN46iJM+/75lfltgpYCi68AK96UsR19bIhsruLmJmBg==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:a74ebe7cdb837e03a939cbe160d49a4f412192f9c98d5d928c8daddda570f8fd",
          "output": {
            "abs_difference_pct": 0.055,
            "actual_apr_pct": 6.82,
            "difference_pct": 0.055,
            "disclosed_apr_pct": 6.875,
            "headroom_pct": 0.07,
            "irregularity_reasons": [],
            "is_irregular_transaction": false,
            "note": "1/8 pp tolerance for regular transactions; 1/4 pp for irregular (multiple advances, irregular periods, or irregular amounts). Overstatement within tolerance is not a TILA violation; understatement is.",
            "regulatory_basis": "Reg Z §1026.22(a), 12 CFR 1026.22 APR accuracy tolerance",
            "tolerance_pct": 0.125,
            "verdict": "accurate_overstated_ok",
            "within_tolerance": true
          }
        }
      }
    }