{
      "tool_id": "art-219-qm-apr-apor-spread",
      "tool_version": "1.0.0",
      "display_name": "QM APR-APOR Spread Classifier",
      "mcp_name": "classify_qm_apr_apor_spread",
      "mandate_type": "compliance_mandate",
      "wave": 37,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-219-qm-apr-apor-spread.html",
      "description": "QM APR-APOR spread test per Reg Z §1026.43(e)(2)(vi) and §1026.43(b)(4). Classifies a loan as general_qm_safe_harbor, general_qm_rebuttable_presumption, or general_qm_fail based on spread versus APOR and HPCT threshold. Size-adjusted thresholds for first-lien standard (2.25 pp), small loan (3.5 pp), manufactured housing (6.5 pp), and subordinate lien (3.5 pp). Caller must supply APOR from the FFIEC weekly rate spread table.",
      "input_schema_ref": "chaingraph/art-219-qm-apr-apor-spread.html#manifest",
      "consumes": [
        "art-218-qm-points-and-fees"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:9a3c7fb7f2a17cb3b8ba3e352f32b1d77d7d51093e23fa65165e7d3d594b106b","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": "E94HTqEYQZaZz6nAtp3yqVz9dinDwRuu31MCjdOF0VEdvfDLYFBY5yqROS4HEvSbsKAPShbQ9HcbRHhimSyAtxVaE7MvbRLv9CmYQ5bPX66Qa/hw7jQclpCjTheKNlTnEtQYn9jFBEX4HJH5syokRumZscdzUWrQPyUwoLL6dc8eFwIHvpA4WTsaIl7+1IX2AmnbXO8RYB0F8Atc86zkEhtmqQEEen415DvLoacyRxOD16JL3fWnD1BHgotsa7gICIS+mObjUDxWgipexHUOKHXbCOyKiQ0C+AtN5HqjjK8bp2ZZawOJWw5PnwmJHFPMdM0hXu9IJMoG1kgOSPhJ2g==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:9a3c7fb7f2a17cb3b8ba3e352f32b1d77d7d51093e23fa65165e7d3d594b106b",
          "output": {
            "apor_pct": 5,
            "applicable_threshold_pct": 2.25,
            "apr_pct": 6.875,
            "fr_citation": "Reg Z §1026.43(e)(2)(vi)(A)-(C); Dodd-Frank Act §1412; CFPB QM Rule Jan 2021; CFPB 2021 General QM Final Rule (FR 2020-28417)",
            "general_qm_pass": true,
            "headroom_pct": 0.375,
            "hpct_threshold_pct": 1.5,
            "is_hpct": true,
            "is_manufactured_housing": false,
            "lien_type": "first",
            "loan_amount": 450000,
            "note": "APOR must be supplied by caller from FFIEC weekly APOR table (ffiec.gov/ratespread). This node does not bundle APOR data. 2026 loan-size cutoff $137,958 per FR 2025-22773.",
            "qm_status": "general_qm_rebuttable_presumption",
            "regulatory_basis": "Reg Z §1026.43(e)(2)(vi) (QM spread test) and §1026.43(b)(4) (HPCT safe-harbor vs rebuttable presumption)",
            "spread_pct": 1.875,
            "threshold_basis": "first_lien_standard_2.25pp",
            "year": 2026
          }
        }
      }
    }