{
      "tool_id": "art-218-qm-points-and-fees",
      "tool_version": "1.0.0",
      "display_name": "QM Points and Fees Test",
      "mcp_name": "check_qm_points_and_fees",
      "mandate_type": "compliance_mandate",
      "wave": 37,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-218-qm-points-and-fees.html",
      "description": "Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3). Applies version-pinned 2021-2026 tier table with Federal Register citations. Covers five tiers: 3% for loans over tier-1 minimum, fixed dollar amounts for mid-range loans, 5% and 8% for smaller loans. Agents hallucinate current-year thresholds; this node supplies authoritative version-pinned values.",
      "input_schema_ref": "chaingraph/art-218-qm-points-and-fees.html#manifest",
      "consumes": [],
      "feeds": [
        "art-219-qm-apr-apor-spread"
      ],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:d7ba34da2e378662fbb05bc23d6aad6b0b4660bbae6f3111e0dd1c471209029b","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": "IQqWGYRAJpZpgx6zdSmC6sgn1BnWdL81VwhUEmnlfMkuxBPqalZl8iBACiHjCr4qoFYgWLzDJQuBB6Pyl64XSCTYQyjrKQA5UA20TK5mCRbk7jVHM4mn6u9egHJRkbYEGtlTXM5izz979ddtnJJq82Zqij1VM1uShO8rHkaTnywIZGpKIbetgnGDq6snxpZPLv9frGXxSITGkQNGZ5kwlyrGTb2cA4zvmYpYI4y16oZAK2uBjdWpWDxsobvurYfyJ0ezOH3HJSUOCpyi79deECfvtH7mBpvdiRTO+/nzGIUc7Q/aXF0ihovBNL0K8gtNDs+0//R5Y8M2dv/sDrX60Q==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:d7ba34da2e378662fbb05bc23d6aad6b0b4660bbae6f3111e0dd1c471209029b",
          "output": {
            "effective_date": "2026-01-01",
            "fr_citation": "FR 2025-22773 (effective Jan 1, 2026)",
            "headroom": 1500,
            "limit": 13500,
            "limit_fixed": null,
            "limit_pct": 3,
            "limit_type": "pct",
            "loan_amount": 450000,
            "note": "Thresholds are version-pinned. Run lookup_reg_z_thresholds for year-by-year table. Points-and-fees definition: §1026.32(b)(1). Confirm current thresholds at consumerfinance.gov/rules-policy/final-rules.",
            "pass": true,
            "points_and_fees": 12000,
            "regulatory_basis": "Reg Z §1026.43(e)(3)(ii), QM points-and-fees test",
            "tier_label": ">= $137,958: 3%",
            "year": 2026
          }
        }
      }
    }