{
      "tool_id": "art-227-validate-adverse-action-notice",
      "tool_version": "1.0.0",
      "display_name": "Validate Adverse Action Notice",
      "mcp_name": "validate_adverse_action_notice",
      "mandate_type": "compliance_mandate",
      "wave": 39,
      "gpu": false,
      "url": "https://ainumbers.co/chaingraph/art-227-validate-adverse-action-notice.html",
      "description": "Validates an adverse action notice against Reg B §1002.9 completeness requirements: reason count (max 4), prohibited vague reason codes (CFPB Circulars 2022-03/2023-03), required content fields (creditor name, date, statement of rights), and FCRA §615(a) rights disclosure when a credit score was used. Outputs compliance_score (0-100), violation list, and a remediation checklist. Reg B 12 CFR §1002.9, ECOA 15 USC §1691, FCRA §615(a).",
      "input_schema_ref": "chaingraph/art-227-validate-adverse-action-notice.html#manifest",
      "consumes": [
        "art-228-build-adverse-action-notice"
      ],
      "feeds": [],
      "status": "live",
      "conformance_fixtures": true,
      "compute_capability": "server",
      "compute_images": [{"system":"sha256-source","image_id":"sha256:68a2b118857650ebe9fb5729f49dad91a524e942c1634d0ac6b6e7997dd2a667","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": "CmEW1KhOSVhRjxtPQeVsM0JxP6QRs3eHvvEYrrphsKQppK8+ZxFlPpiKo0418wNKpYdqziKbmACC6EcLH1UvRhKBcnpY0fp7g7gIn6zvX+EmpAZIzD3GArLUvBiP7V3jEv+W/AREpjwb34q/WKOsLeDbdIiLUzjnUNJ5ib8oNCYQPi5tutAps3SCf45KR8qAkq2tE13coCOluvc/K3Sp+BhavfT2udCGFdRMt3kP18Fl9BmntXcK/dZkvpQSGCRuA7GTBwlaI7lJ8li388TiKtcSQT45HJUxjY8IF7Z0U8Qfo/eQBilMIKz6TGtCeq9I6NjD4/lfIOn/M04nSTNPuQ==",
        "journal": {
          "chaingraph_version": "0.4.0",
          "kernel_digest": "sha256:68a2b118857650ebe9fb5729f49dad91a524e942c1634d0ac6b6e7997dd2a667",
          "output": {
            "action_taken": "denied",
            "compliance_score": 1,
            "compliant": true,
            "credit_score_used": true,
            "fcra_required": true,
            "fcra_violations": 0,
            "pii_note": "All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data.",
            "reason_count": 4,
            "reason_count_valid": true,
            "regulatory_basis": "Reg B §1002.9(a)(2)(i) (12 CFR Part 1002); ECOA 15 USC §1691c; FCRA §615(a) 15 USC §1681m; CFPB Circular 2022-03; CFPB Circular 2023-03",
            "table_source": "CFPB Circular 2022-03 (Aug 2022); CFPB Circular 2023-03 (Sep 2023); 12 CFR §1002.9; 15 USC §1681m",
            "table_version": "REG-B-ADVERSE-ACTION-2024-CFPB-CIRC-2023-03",
            "violation_count": 0,
            "violations": [],
            "warning_count": 0,
            "warnings": []
          }
        }
      }
    }