{
      "tool_id": "art-220-reg-z-threshold-lookup",
      "tool_version": "1.0.0",
      "display_name": "Reg Z Threshold Lookup",
      "mcp_name": "lookup_reg_z_thresholds",
      "mandate_type": "compliance_mandate",
      "wave": 37,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-220-reg-z-threshold-lookup.html",
      "description": "Reg Z version-pinned threshold lookup service. Tables: qm_points_fees, hoepa, hpml, card_penalty. 2021-2026 rows with Federal Register citations and effective dates. This node exists because agents reliably hallucinate current-year dollar thresholds. Annual refresh cadence with FR citation pinning. Covers CARD Act penalty fee note: the CFPB dollar-eight late-fee cap rule was vacated May 2025; prior safe-harbor amounts apply.",
      "input_schema_ref": "chaingraph/art-220-reg-z-threshold-lookup.html#manifest",
      "consumes": [],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:224b7fe562fe4671cc165a1228afc28e82d8abbdfc5ec4c9e93ee480e50587a5","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": "GcK1XGGleYcY7w85P9dR1/UzFc+XU+p8gZvuJ1OVBwEgBxfbk13tXnnkIO6wAuc8WSc+cqjUxEujPIshO4h+vy26nkWBtqMTqjJ6E43CtURMhveZzvelRInfuo9IpsuiBIVgRvd8LUjduaNNASqDoDtIHA8VkS2A+ynICvP+cvwOxOwGUlcUfilBWDJjqewf+mriaMDv0cYmRk+Xizir0SIHQfMCRvx/JEpiG0/vIRu7/7r6DMPCeTEiNvRrVAIaG+7KWgbxlxaj3qV9Or1StecqMZDApFbd49B/ygEvOWIDUWaiULRfl4ijrfM1b22bWKZFXigTjW5CXk9tzLlQFg==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:224b7fe562fe4671cc165a1228afc28e82d8abbdfc5ec4c9e93ee480e50587a5",
          "output": {
            "available_years": [
              2021,
              2022,
              2023,
              2024,
              2025,
              2026
            ],
            "data": {
              "effective": "2026-01-01",
              "fr_citation": "FR 2025-22773, effective 2026-01-01",
              "tier_1_min": 137958,
              "tier_1_pct": 3,
              "tier_2_fixed": 4139,
              "tier_3_min": 27592,
              "tier_3_pct": 5,
              "tier_4_fixed": 1380,
              "tier_5_pct": 8
            },
            "note": "This node exists because agents hallucinate current-year dollar thresholds. Values are pinned at build time; refresh yearly. Always verify at consumerfinance.gov for the latest effective rule.",
            "regulatory_basis": "Reg Z 12 CFR 1026 (version-pinned threshold table)",
            "table": "qm_points_fees",
            "year": 2026
          }
        }
      }
    }